What Insurance Carriers Provide COBRA?

I’d like to get COBRA for a few months. Which health insurance companies offer it?

COBRA is not a specific health plan. It is the same work health plan you’ve been on provided by an employer.

Family Members

The law allows you to have access to that group health plan after separation from the primary beneficiary or if the primary on the plan no longer works for the company.

Employees

After you separate employment, you will receive a notice from the employer on how to remain on that health plan. You’ll pay the full premium of the COBRA, as your employer no longer pays a portion of it.

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COBRA Eligibility

When Can I Apply For COBRA Coverage?

Your former employer has up 45 days to send your COBRA continuing coverage election paperwork. This packet of information will give you the cost of your COBRA plan, how to enroll and where to make your premium payments. The law requires your former employer to give you a 60 day open enrollment period to choose to continue your current employer health plan or waive COBRA coverage.

More details on COBRA and how it works

When Does Coverage Begin?

Your COBRA insurance will start immediately after making your first premium payment. Once you elect to continue the employer group health plan, your benefits will be retroactive to the date your coverage would otherwise have stopped. If you have out-of-pocket expenses between the time the coverage stopped and then started, you may be reimbursed by your carrier.

Companies That Provide Group Health Insurance

Group health insurance is the same as your employer’s health plan. The following insurance companies provide major medical health insurance to employer groups:

Companies That Provide Term Health Coverage

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In Good Health? The Short-Term Option

Short-term health insurance may be used as an alternative to COBRA. The plan premiums are affordable and the co-pays are predictable as coverage is limited to new illnesses and injuries.

These plans renew every month and you may cancel at any time.

Find out if you qualify for Short Term health insurance by registering to quote in the marketplace.

Are You Eligible For COBRA?

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