What is COBRA?

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) is a federal law that requires continuation coverage to be offered to covered employees, their spouses, their former spouses, and their dependent children when group health coverage would otherwise be lost due to certain qualifying events. Employees and/or their dependents may choose to continue the same health plans (including medical, dental, and vision plans, as well as Medical FSAs) they were enrolled in before the qualifying event occurred.

Qualifying events include: Termination of employee's employment for any reason other than gross misconduct; Reduction in hours worked by the covered employee;Divorce or legal separation from a covered employee; Death of the covered employee; Covered employee becomes entitled to Medicare; Child's loss of dependent status under the plan.


Why is COBRA important?

In the event that you lose your healthcare coverage due to a qualifying event, COBRA gives you the opportunity to continue the same coverage (for a limited period of 18 or 36 months, depending on qualifying event) you otherwise would have lost. This can provide extra stability to those who are in a transition period between jobs, or facing other qualified events.


To submit a payment, log in to our COBRA Portal now.

Cobra Portal


COBRA Forms:

COBRA ACH Form

COBRA Open Enrollment Form

COBRA Request For Service Form