Does a group health insurance co9mpany have to cover you if leave your job?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that requires employers with 20 or more employees to offer employees and their families the option of continuing their health insurance coverage for a limited period of time after they leave the company. COBRA coverage is not free; employees must pay the full premium for the coverage.

There are a few exceptions to the COBRA rules. For example, employees who are fired for gross misconduct or who voluntarily resign without a qualifying event are not eligible for COBRA coverage. Additionally, COBRA coverage is not available to employees who work for companies with fewer than 20 employees.

If you are eligible for COBRA coverage, you will have 60 days from the date you lose your health insurance coverage to elect to continue your coverage. You can elect COBRA coverage by sending a written notice to your employer's plan administrator.

COBRA coverage will continue for a maximum of 18 months. However, if you become eligible for other health insurance coverage during the 18-month period, your COBRA coverage will terminate.

COBRA coverage can be a valuable way to maintain your health insurance coverage after you leave your job. However, it is important to be aware of the costs and limitations of COBRA coverage before you make a decision about whether or not to elect coverage.