How does a person become eligible for COBRA continuation coverage or COBRA alternative insurance?

To be eligible for COBRA coverage, you must have been enrolled in your employer's health plan when you worked and the health plan must continue to be in effect for active employees. COBRA continuation coverage is available upon the occurrence of a qualifying event that would, except for the COBRA continuation coverage, cause an individual to lose his or her health care coverage.

To be eligible for COBRA alternative coverage, you must be located in the state where the specific insurance is available because these insurance plans are primarily governed by state laws and not the federal COBRA law.

revised 12/7/2011

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COBRA continuation coverage may provide temporary protection when changing jobs, going through a divorce or negotiating other life transitions. Choosing the right health insurance is crucial to protect your health and financial security.