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COBRA coverage ends when the earliest of the following occurs.

Conversion Privilege for Health Coverage
When COBRA coverage terminates, conversion to an individual health plan without providing evidence of insurability may be available. This conversion privilege applies to health coverage only. You are eligible for this conversion unless group health coverage ended because of:

  • Failure to pay the required premium, or
  • Coverage is replaced by another group health plan, or
  • Member enrolls in Medicare, or
  • Voluntary termination during COBRA coverage

Approximately two months before COBRA coverage ends, the Department will send a letter providing instructions on how to apply for conversion. The converted coverage, if issued, will become effective the day after COBRA coverage ended. Contact the appropriate health Plan Administrator for information on COBRA conversion. CMS is not involved in the administration or premium rate structure of insurance benefits obtained through conversion.

Tell me about:

What is COBRA?
COBRA qualifying events
How to enroll in COBRA
Cost & Premium payment
COBRA questions
CMS COBRA Information and Cost


Maintained by University Human Resources | Contact Information | Last Update: 21-September-2017 | ID: 53