What is COBRA?

COBRA Qualifying Events

  • Employee is laid off or employee’s hours of employment are reduced.
  • Employee becomes entitled to Medicare benefits.
  • Spouse loses employer- sponsored coverage.
  • Employee dies.
  • Employee gets divorced or legally separated.
  • Child turns 26.


COBRA provides continuation of group health coverage that otherwise might be terminated.


A federal law called the Consolidated Omnibus Reconciliation Act (COBRA) requires companies to give employees and their families the opportunity to continue their health care coverage when there is a “qualifying event” that would cause a loss of coverage under an employer’s plan.


COBRA coverage is the same coverage that active employees and their dependents are eligible for. If you and/or a family member elect COBRA coverage, the cost will be 100% of the actual cost for that benefit, plus a 2% administrative fee.


Coverage generally may be continued for up to 18 months. If loss of coverage is due to an employee’s death, divorce or legal separation; the employee becoming entitled to Medicare benefits; or a dependent child ceasing to be eligible, coverage may be continued for up to 36 months.