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COBRA is an acronym for the Consolidated Omnibus Budget Reconciliation Act of 1985. 

It allows certain employees and their dependents that would otherwise lose group coverage to temporarily continue coverage with the same plan. 

Terms and Conditions of COBRA

  • COBRA-eligible members do not have to prove insurability. 

  • Each COBRA-eligible member can make an independent election on whether to continue benefits. 

  • COBRA-eligible individuals may continue coverage for 18, 24, 29 or 36 months. 

  • COBRA members are offered conversion coverage at the end of the continuation period. 

Health Plan Options

COBRA participants are eligible for the following health plans:

  • Enhanced 80/20 Plan

  • Traditional 70/30 Plan

  • Consumer-Directed Health Plan


COBRA Billing

When members elect and pay to continue coverage, they are enrolled and billed to a current date. Subsequently, COBRA members are billed on a monthly basis, 20 days prior to the period for which premiums are due. 

COBRA members can monitor their COBRA participation online at​. Bank draft is available to COBRA members at the link above. 

Notice of Initial COBRA Rights 

This explains COBRA continuation rights when health benefit plan coverage would otherwise end because of a life event known as a "qualifying" event.