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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.

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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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.

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