COBRA and state Continuation

Overview

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Federal COBRA rules require employers with 20 or more employees to offer continuation of coverage for group health plans upon a loss of coverage triggered by a qualifying event.

COBRA coverage offered should be identical to what was in place when the qualifying event occurred, and all individuals covered as of the qualifying event generally has an individual right to elect COBRA.

 COBRA participants may be required to pay up to 102% of the premium cost.

Because COBRA participants must be treated like other similarly situated active participants, they must be given open enrollment and HIPAA special enrollment rights just like other active employees.