You have 60 days to enroll in COBRA once your employer-sponsored benefits end. Avoiding a Lapse in CoverageĬOBRA can help those who need health coverage during the time between losing job-based coverage and beginning other health coverage. Your dependents (i.e., spouse, former spouse or children) are also eligible for COBRA coverage, even if you (the former employee) do not sign up for COBRA coverage.
This is helpful if you would like to continue to see your same doctors and receive the same health plan benefits. Generally, your coverage under COBRA will be the same coverage you had while you were an employee. COBRA health coverage offers a number of benefits: It provides a way for workers and their families to temporarily maintain their employer-provided health insurance during situations such as job loss or a reduction in hours worked. If you’ve lost your job, had your hours reduced, or experienced other qualifying events there are options available to workers and their families to maintain health coverage, including the Consolidated Omnibus Budget Reconciliation Act, or COBRA.
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