1. Knowledge Base
  2. › 
  3. Eligibility For COBRA
  4. Length Of Time Employed

How Long Do You Have To Be Employed To Take Advantage Of COBRA?

How long do I have to be on my employer’s health plan to be able to take advantage of COBRA?

1 Day

It only matters how long you’ve had health insurance through your employer. As long as you were enrolled in your employer’s group health plan you are then eligible for to keep the same health plan that you had. Regardless of how your job had ended. The continuation of health insurance coverage after job loss is a right granted through the federal COBRA law.

You’ll Pay The Full COBRA Premium

Keep in mind that when you continue on the same health insurance you had when you were employed, you are now responsible for the entire premium. This includes the amount that your employer contributed to that health plan. Many companies will outsource their COBRA Administration to a third-party administrator. Also known as TPAs, these businesses will enroll you back into the same plan and take your monthly payment. TPAs are allowed by law to add an additional 2% fee for their administration time.

COBRA Alternative
Save Up To 70%

Term Health Insurance
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

Shop Plans
Get A Quote & Enroll Online
Or, Call Us

people with accident medical insurance riding their bikes*Based on age and state availability

Was this answer helpful?

Share this article:

teladoc logo

Retiring Soon? Begin here

If you aren't sure about your Medicare timelines or what Parts you need, contact us.

We provide expert guidance to help you navigate through Medicare and its supplements, ensuring you make the best decisions for your healthcare needs.

Visit MedicareOne

COBRA Eligibility

When Should You Choose COBRA

If you or a family member visits the doctor often or regularly takes prescription medicine, we highly recommend continuing on a COBRA plan. The group health insurance is a Qualified Health Plan per the Affordable Care Act. These plans are required to provide coverage for pre-existing conditions.

Some People Use GAP Insurance Until The Next Job With Health Coverage

Quite often people find the cost of COBRA coverage to be very expensive. Typically, a single person will pay $400-500 per month to keep that same work insurance. When continuing on your former employer’s health plan is cost prohibitive, many people will turn to temporary health insurance plans. These plans are affordable and the out of pocket expenses are predictable. Also known as Short-Term Medical Insurance, these plans only cover new conditions and illnesses.

COBRA 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.

Are You Eligible For COBRA?

Take Our Survey