Terms of Use
COBRA is designed to be a temporary bridge. The length of time you can remain on the plan is determined by the specific event that caused the loss of coverage.
| Qualifying Event |
Max Duration |
| Termination or Reduced Hours |
18 Months |
| SSA-Certified Disability |
29 Months |
| Divorce, Death, or Loss of Dependent Status |
36 Months |
Warning: Coverage Can End Early
Your COBRA rights are forfeited immediately if you fail to pay premiums on time, if your former employer stops offering group insurance to everyone, or if you become eligible for Medicare after electing COBRA.
The 180-Day Rule: If your plan offers a "conversion option," they must notify you at least 180 days before your COBRA expires. This allows you to move to an individual policy without a gap, though Marketplace plans are often more affordable in today's market.
Did this answer your question?