Insurance After Cobra Ends

Frequently Asked Questions

What happens when COBRA insurance runs out?

Don’t feel overwhelmed. When your COBRA health insurance runs out, you can be eligible for a Special Enrollment Period that will allow you to enroll in an Obamacare health plan. Qualify for a Special Enrollment Period? Then you have 60 days from the end of your COBRA coverage to enroll in a plan from the Marketplace.

What is a Cobra coverage period?

This COBRA coverage period is the minimum employers must offer by law – some plans may provide longer periods of coverage⁵. This applies to any employer-sponsored health insurance group plans, including medical, vision, and dental insurance.

When can I enroll in Marketplace health insurance after Cobra ends?

Then you have 60 days from the end of your COBRA coverage to enroll in a plan from the Marketplace. Remember that only Affordable Care Act-compliant plans, offering the most consumer protections and cost savings, are sold on the Marketplace. Grab our free step-by-step guide to enrolling in Marketplace health insurance here to learn more.

How long do I have to choose my COBRA rights?

Your insurance carrier is required to include COBRA rights information in your plan documents when you initially enroll. You will have up to 60 days to decide whether you want to continue your health coverage under COBRA. If you don\'t elect it, your health coverage will end on the day that your employer\'s plan coverage ends.

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