COBRA may let an eligible worker or family member temporarily continue a former employer's group health coverage after a qualifying event. It is not a new Medicare enrollment period, and it does not automatically preserve your employer's contribution toward the premium.
1. When must I decide and pay?
The election period is generally at least 60 days from the later of losing coverage or receiving the election notice. After electing, you generally have 45 days for the initial payment. Read the actual notice for dates, payment instructions and any applicable special rules.
2. What will the full cost be?
You may owe the full premium, generally up to 102% of the plan's cost. Some disability-extension periods use different limits. Compare the amount with any employer subsidy, deductible already met and expected care.
3. How long can it continue?
| Situation | What to check |
|---|---|
| Job loss or reduced hours | Usually an 18-month maximum under federal COBRA. |
| Other qualifying events or extensions | Different maximums, sometimes up to 36 months. |
| Late payment or other termination reason | Coverage can end before the maximum. |
4. What alternatives apply?
Ask about a spouse's employer plan, Marketplace enrollment or another eligible program. Compare each person's needs separately. Voluntarily ending COBRA early does not always create a new Marketplace enrollment opportunity.
5. How does Medicare change the decision?
COBRA is not coverage based on current employment for delaying Part B. A qualifying employment-related Part B enrollment period generally ends eight months after the employment or coverage ends, whichever happens first. Do not wait for COBRA to expire.
The order in which Medicare entitlement and COBRA begin can affect continuation rights. Ask the administrator about your own coverage and your dependents' separate rights. Keep all notices and confirm your next coverage's effective date before ending anything.
Related coverage questions
- COBRA and Medicare: Enrollment Deadlines and Coverage
- Medicare When You Have Your Spouse’s Job-Based Insurance
- How to Enroll in Medicare: Steps, Timing and Where to Get Help