Real answers for your healthcare questions
How long can I stay on COBRA coverage?
Answer
COBRA continuation coverage commonly lasts up to 18 months after job loss or a reduction in work hours, although some qualifying events can allow longer periods for certain family members. The exact maximum depends on why coverage was lost and who is covered.
What to Know
COBRA can end earlier if premiums are not paid on time, the employer stops offering the group health plan, or another terminating event occurs. State continuation laws may provide different options for plans or employers that are not covered by federal COBRA.
What to Do Next
Check the COBRA election notice for your specific maximum period and deadlines. Do not wait until COBRA ends to explore replacement coverage because your next enrollment window may depend on the timing of the loss.
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