Consolidated Omnibus Budget Reconciliation Act (COBRA)

A federal law that provides employees with the right to pay premiums to continue coverage in a group health plan that they otherwise would have lost after reducing their work hours, quitting their jobs, losing their jobs, or experiencing a qualifying life event qualifying life event
A change in your life that can make you eligible for a special enrollment period to enroll in health coverage. Moving to a new state or changes in job-based coverage, income, or family size (marriage, divorce, new baby) are examples of qualifying life events. If you experience a qualifying life event, you must apply for new insurance within 60 days of the qualifying event. When applying for a new plan, you must show proof of the qualifying event, such as proof of residency, evidence of prior health insurance and proof of loss of minimum essential coverage, and marriage, birth or adoption certificates. . Most people can keep this insurance up to 18 months. COBRA applies to employers with 20 or more employees, including self-insured employers.