Covid-19 | Member Resource

COBRA Update

The Consolidated Omnibus Budget Reconciliation Act (COBRA) mandates that certain employers provide opportunities to elect continuation of health insurance for certain employees and their families after a loss of coverage due to a job loss or other qualifying events.

The Department of Labor (DOL) recently released guidance to provide relief for certain COBRA deadlines during the COVID-19 Outbreak Period. Certain COBRA deadlines are suspended from March 1, 2020 until 60 days after the national emergency ends (official date yet to be determined). Learn more about COBRA and the recent guidance at


Employees (or former employees) must generally pay the full amount of the insurance premiums and, if applicable, an administrative fee

Qualifying events can include:

  • Voluntary and involuntary job loss

  • Reduction in work hours

  • Death of the employee

  • Loss of dependent status

  • Divorce or legal separation of employee and their spouse

  • Employee becomes entitled to Medicare

Your employer (or former employer) is responsible for providing:

  • Notifications

  • Billing

  • Payment collection

  • Typically, your employer will work with a COBRA provider (such as us) to handle the required tasks.


There have been a lot of changes during this past month as the nation deals with COVID-19. This list will hopefully help you find the answers you need regarding your health accounts and the recent changes.

Have more questions? Contact us.