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Cobra Health Insurance: What You Need To Know
By Joel J. Ohman

Cobra Health Insurance: What You Need To Know
By Joel J. Ohman
COBRA insurance is an area of insurance law that suffers from a certain degree of uncertainty and yet this law will affect the lives of many Americans at some point in their lives. This is not an obscure law that only affects a small number of people in limited special situations. COBRA (or the Consolidated Omnibus Budget Reconciliation Act of 1986) amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Service Act to provide continuation of group coverage that otherwise might be terminated.

According to the US Department of Labor; COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group coverage for COBRA participants is usually more expensive than coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves. It is ordinarily less expensive, though, than individual coverage.

Generally speaking, if you are an employee at a company that has 20 or more employees and you leave your group plan (or your group plan terminates for some reason) for some reason other than gross negligence then you will be offered COBRA continuation coverage (There are also provisions for spouses and dependent children).

Practically speaking; should you elect the COBRA continuation coverage option? If you or your family has major issues then yes. If you and your family are relatively healthy then you will probably want to compare individual

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