Final Week To Choose Coverage Before October 1

  1. Knowledge Base
  2. Getting Started With COBRA
  3. Is COBRA Insurance Retroactive?

Is COBRA Insurance Retroactive?

With the new health care reform laws, will COBRA insurance still be retroactive and how does this works?

The Federal COBRA Health Insurance Act requires all businesses with 20 or more employees to offer a continuation of the health insurance after job loss.

When you elect COBRA coverage, the effective date begins the date after your work health insurance ended.  The insurance plan continues from where it left off. The coinsurance you pay toward your deductibles won’t change.

Or, Save Up To 70%

COBRA Alternative

Try Short-Term Health Insurance
$80/month*
With coverage starting tomorrow!

Get A Quote, Enroll Online
View Plans

Call us
877-262-7241

insurance agent enrolling individuals in temporary accident insurance*Based on age and state availability

Was this answer helpful?

Share this article:

COBRAinsurance.com

HealthCare.gov – 2022 Elite Plus Circle Of Champions

We are private insurance company that publishes information on the COBRA law. Additionally, we provide alternative temporary insurance options if continuation is unavailable or too expensive.

What Is COBRA?

COBRA is a federal law that requires employers with 20 or more employees to offer the same group health care coverage after you’ve voluntarily or involuntarily left your job or have had your work hours reduced. Because COBRA is simply the same coverage you had through a previous employer, you would need to contact the COBRA Administrator at your previous employer to begin or cancel coverage. Typically, the COBRA Administrator is in the HR department or the company that sponsored the insurance may use a third party administrator.

Licensed Insurance Agents

Do you have more COBRA questions? Try contacting a healthcare.gov certified insurance specialist. These COBRA customer service agents are licensed in all 50 states. They can offer advice and alternative plans that best suit your needs.

Live Chat

tap here to chat with a cobra health insurance advisor

Get Options and Advice

COBRA Third-Party Administration

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.

Are You Eligible For COBRA?

"check
Take Our Survey