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  3. What Happens If I Move To Another State After I Quit My Job? Can I Still Elect COBRA?

What Happens If I Move To Another State After I Quit My Job? Can I Still Elect COBRA?

What happens if I change residency to another state after I quit my job?

COBRA is a federal law and applies regardless of residency

If there are more than 20 employees at the job you are leaving, then that employer has to offer you a  continuation of the same group health plan for a duration of up to 18 months. Employers must offer alternative coverage to qualified beneficiaries that will be moving outside their insurance coverage area.

The employer must make the alternative coverage available before on by the date the beneficiary moves, or if it is later than the first day of the month following the month you made the request to move and needed alternate coverage. There may be an additional cost for the replacement of an HMO/PPO policy, you would need to find out the cost from your plan administrator.

How Much Does All This Cost?

An individual’s COBRA plan costs around $500 per person. When you keep employer-sponsored health insurance on COBRA, you pay the full premium amount. Depending on the employer’s plan, the cost may be better than what you find on federal or private health insurance marketplaces.

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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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