Start Your COBRA Enrollment
Everything you need to know about electing COBRA coverage, meeting deadlines, and making your first premium payment.
How to Enroll in COBRA
Before You Commit
Make sure you understand the long-term financial impact before locking in your COBRA coverage.
Read Our Guide on the COBRA TrapReceive Election Notice
Your employer has 30 days to notify the plan administrator of your qualifying event. The administrator then has 14 days to send you the COBRA Election Notice by mail.
Elect Coverage (60 Days)
You have exactly 60 days from the date the election notice was provided, or the date you lost coverage (whichever is later), to decide if you want COBRA.
Make First Payment
After electing coverage, you have 45 days to make your first premium payment. Coverage will be retroactive to the date you lost your original coverage.
Lost Your Election Notice?
If you haven't received your election notice or misplaced it, contact your former employer's HR department immediately. They can provide you with the necessary forms or direct you to the third-party administrator handling your COBRA plan.
Find Your AdministratorShocked by the COBRA premium cost?
Because your employer is no longer subsidizing the cost, COBRA can be very expensive. Explore affordable alternatives before you commit.