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Will I Be Able To Extend COBRA Past 18 Months?

My job terminated and I applied for COBRA as soon as I became eligible based on the termination event. My understanding is that my COBRA coverage is available for 18 months. My question: Is it possible to apply for an extension of this insurance group coverage through COBRA for any additional time, such as an additional 6, 12, or 18 months?

The maximum amount of time an employee can continue on COBRA is 18 months. However, a qualified dependent may be able to obtain another 18 months for a total of 36 months if a second qualifying event should occur. 

In the event you become disabled, an 11 month extension would be available. This would give you COBRA  for a total of 29 months.

You must be determined by the Social Security Administration to be disabled to qualify for this extension

Are You Paying A Lot For COBRA?

When you elect COBRA insurance to stay on your work health plan, you pay your portion and the subsidy your employer had paid. If a third-party administrator coordinates the enrollment and billing they may add a 2% fee on top. In other words, you pay the whole premium and then some.

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.

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*Eligibility for short term medical insurance is based on age and state availability.

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