What can I do when my Federal COBRA or Cal-COBRA options have been exhausted?

1. You may be eligible to apply for individual coverage through Covered California, the State’s Health Benefit Exchange.
2. You can apply for individual coverage directly through some health plans off the exchange.

What group health plans are subject to COBRA?

COBRA generally applies to all private-sector group health plans maintained by employers that have at least 20 employees on more than 50 percent of its typical business days in the previous calendar year. Both full- and part-time employees are counted to determine whether a plan is subject to COBRA.

How long can you continue benefits under COBRA?

36 months
Q11: How long does COBRA coverage last? COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of 18 or 36 months.

What is the maximum period of continuation coverage for COBRA?

18 months
Periods of Coverage In most cases, COBRA coverage for the covered employee lasts a maximum of 18 months. However, the following exceptions apply: 29-Month Period (Disability Extension): Special rules apply for certain disabled individuals and family members.

When do you become entitled to COBRA continuation?

If you become entitled to elect COBRA continuation coverage when you otherwise would lose group health coverage under a group health plan, you should consider all options you may have to get other health coverage before you make your decision.

What does Cobra stand for in health insurance?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law allowing most employees, spouses, and their dependents who lose their health coverage under an employer’s group health plan to continue coverage, at their own expense, for a period of time.

What are continuation rights in health insurance policies?

Fact Sheet on Continuation Rights in Health Insurance Policies Both state and federal law give certain individuals, who would otherwise lose their group health insurance coverage under an employer or association plan, the right to continue their coverage for a period of time.

When do I Lose my COBRA health plan?

Within 30 days of losing COBRA coverage, for coverage through another group health plan, or Within 60 days before or after losing COBRA coverage, for coverage through