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Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that requires your employer to allow you to keep your current health insurance plan for a period of time. If you quit or lose your job, your hours are reduced, or something else happens that negatively impacts your job or ability to keep your employer-sponsored health care, COBRA ensures you will be able to maintain your insurance.
COBRA health insurance will allow you to pay for all of your health insurance, including your employer’s portion, in order to continue the plan for a period of time. The COBRA insurance definition comes down to one important thing – making sure you are able to keep your current insurance plan while you are between jobs.
The COBRA benefits bring many people comfort, because even though their job may have been impacted, they can rest assured that they will continue to have health insurance for them and their family. Prior to 1985, when COBRA became federal law, if you were between jobs, you would lose your health insurance. COBRA health insurance became the remedy for this situation, so that people are able to choose to remain covered.