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Does My Employer Keep The Same Deductibles While On COBRA?

I belonged to a private sector health insurance plan and was terminated and picked up my COBRA option. Does my former employer have to honor their contribution of $2000 to the deductible, which was part of the plan?

Generally, COBRA is a continuation of the same group health insurance that you had the day before the qualifying event. You should have the same deductibles as a similarly situated active employee. All of your accumulated amounts towards your deductible should continue as though the qualifying event had not occurred.

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COBRA Eligibility

Tax Deductions While On COBRA

Your COBRA premiums and out-of-pocket expenses are tax deductible. The amount of deduction on your income taxes needs to be a portion of your gross adjusted income and only applies if you itemize.

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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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