Federal COBRA is a U.S. law that applies to employers and group health plans that cover 20 or more employees. It lets you keep your group health insurance when your job ends or your hours are cut. You have to pay the premium but you can keep your insurance for at least 18 months.
Cal-COBRA is a California law that is like Federal COBRA. Cal-COBRA applies to employers and group health plans that cover from 2 to 19 employees. It lets you keep your insurance for up to a total of 36 months.
Cal-COBRA is also for people who use up their Federal COBRA. When your 18 months of Federal COBRA ends, you can buy 18 more months of health insurance under Cal-COBRA
Meet the Deadlines
You have 60 days after being notified of your Federal COBRA/Cal-COBRA rights to sign up.
If you do not get notification in the mail, call your last employer or health plan.
Visit the Help Center if you are having problems getting the forms you need.
If you miss the deadline, you may lose the chance to sign up for Federal COBRA/Cal-COBRA.
Questions and Answers
Who can enroll in Federal COBRA or Cal-COBRA?
How do I sign up for Federal COBRA or Cal-COBRA?
Can I get Cal-COBRA after I use up my Federal COBRA?
What are my benefits under Federal COBRA and Cal-COBRA?
When do Federal COBRA and Cal-COBRA end?
Who cannot enroll in Federal COBRA or Cal-COBRA?
Can I continue my insurance after Federal COBRA or Cal-COBRA ends?
