Is there a website for COBRA?

Asked by: Elissa Trantow  |  Last update: August 29, 2025
Score: 4.4/5 (47 votes)

COBRAinsurance.com is a resource for understanding COBRA continuation coverage, including how it works, how to enroll, and how to manage an existing plan. This website also highlights other health insurance options that may be suitable for individuals and families between employer-sponsored plans.

Can COBRA be done online?

Possibly. If the employer uses a third-party COBRA Administrator, they may use online accounts to manage the collection of premium payments, paperless billing and other notifications. Sometimes, an employer may manage their COBRA continuation themselves through the HR Department.

How do I access my COBRA account online?

To access your account online go to the Login menu and select COBRA & Direct Billing.
  1. Enter Username and click Next.
  2. Enter password and click Sign In.

How do I find my COBRA coverage?

You should get a notice in the mail about your COBRA and Cal-COBRA rights. You have 60 days after being notified to sign up. If you are eligible for Federal COBRA and did not get a notice, contact your employer. If you are eligible for Cal-COBRA and did not get a notice, contact your health plan.

Is COBRAinsurance.com legit?

What We Do. COBRAinsurance.com is a health insurance company that helps workers in-between jobs enroll in affordable health plans. We are a nationally licensed and recognized health insurance agency looking to sincerely help people access and understand insurance. SASid, Inc.

Web-based COBRA Administration - COBRAAdminOnline.com

26 related questions found

Does Cobra Insurance have a website?

COBRAinsurance.com is a resource for understanding COBRA continuation coverage, including how it works, how to enroll, and how to manage an existing plan. This website also highlights other health insurance options that may be suitable for individuals and families between employer-sponsored plans.

How do you check if the site is legit?

How to check if a website is legit
  1. Study the address bar and URL.
  2. Investigate the SSL certificate.
  3. Check the website for poor grammar or spelling.
  4. Verify the domain.
  5. Check the contact page.
  6. Look up and review the company's social media presence.
  7. Check for the website's privacy policy.

How much does COBRA typically cost per month?

COBRA coverage is not cheap.

A COBRA premium can cost on average $400 to $700 a month per person.

How long does it take for COBRA benefits to kick in?

Assuming one pays all required premiums, COBRA coverage starts on the date of the qualifying event, and the length of the period of COBRA coverage will depend on the type of qualifying event which caused the qualified beneficiary to lose group health plan coverage.

Is it better to use COBRA or obamacare?

ACA plans may offer significant cost savings through subsidies that aren't available under COBRA. By transitioning to an ACA plan, you can often find more affordable coverage without waiting until COBRA expires, giving you flexibility in managing your healthcare costs.

How do I start COBRA coverage?

To get COBRA coverage, your employer must tell the plan administrator why you qualify. Once the plan administrator is notified, the plan must let you know you have the right to choose COBRA coverage.

Am I automatically enrolled in COBRA?

You have 60 days to enroll in COBRA once your employer-sponsored benefits end. Even if your enrollment is delayed, you will be covered by COBRA starting the day your prior coverage ended. You will receive a notice from your employer with information about deadlines for enrollment.

Does COBRA have an app?

Today's consumers are on-the-go and on their phones. Now you can offer the experience members prefer to manage COBRA and Direct Billing information—all without logging into a computer. Our Mobile App lets members securely manage payments and view communications with a touch of a finger.

Who pays for COBRA after termination?

COBRA and Cal-COBRA

COBRA allows former employees, retirees, and their dependents to temporarily keep their health coverage. If you get COBRA, you must pay for the entire premium, including any portion that your employer may have paid in the past.

Why is COBRA so expensive?

Why is COBRA more expensive than employer-sponsored insurance? COBRA is more expensive because the individual is responsible for the entire premium amount without the employer's financial contribution that is provided during active employment.

How do I contact Cobra insurance?

Call 1-866-444-3272. You may qualify to keep your health coverage with COBRA. Call today.

What is the COBRA loophole?

If you decide to enroll in COBRA health insurance, your coverage will be retroactive, meaning it will apply to any medical bills incurred during the 60-day decision period. This loophole can save you money by avoiding premium payments unless you actually need care during this time.

Can I go to the doctor while waiting for a COBRA?

You will be reimbursed for any medical bills that you pay out-of-pocket during this period. Contact the plan administrator for more information on filing a claim for benefits. Complete plan rules are available from the employer's benefits offices.

How do I know when a COBRA is active?

The coverage starts the day the previous coverage ends. The employer's COBRA administrator is responsible for sending out an election notice with information about deadlines for enrollment. For example, if employment ends on April 25, COBRA will pick up where the group health plan ends.

What are the disadvantages of COBRA coverage?

COBRA cons
  • COBRA can be expensive, especially compared to the premiums you were paying before your qualifying event. ...
  • COBRA does not apply to all employer-sponsored health plans—in particular, those organizations with fewer than 20 employees may have no requirements. ...
  • Even if you get an extension, COBRA is only temporary.

How do I calculate my COBRA payment?

Using the information provided in Box 12 of your most recent W-2 form, labeled Code DD, you will find the total annual cost of your employer-sponsored health coverage. To determine your monthly COBRA premium, divide this annual amount by 12 and include any applicable administrative fees, which may be up to 2%.

How long can I stay on COBRA?

You can stay on COBRA for 18 or 36 Months

COBRA coverage generally lasts 18 months for the employee. However, dependents on the plan, such as a spouse or children, can be eligible for up to 36 months of coverage under certain circumstances, like divorce or the death of the covered employee.

How can I know if the website is safe?

A secure website's URL should begin with “https” rather than “http”. The “s” at the end of “http” stands for secure and is using an SSL (Secure Sockets Layer) connection. Your information will be encrypted before being sent to a server. Be sure to click on the “lock” icon to verify that a website is trustworthy.

How can I check if a website is credible online?

The following tips will help you tell a good source from one that's biased, outdated, or inaccurate:
  1. Check the domain name. ...
  2. Take a closer look at the source. ...
  3. Search for additional information to back up what you've found. ...
  4. Use certain sources only to jump-start additional research.

How to check if a company is legit?

Steps to verify a business
  1. Check registration and licensing. ...
  2. Review contact information. ...
  3. Check online presence. ...
  4. Read customer reviews. ...
  5. Check social media and professional networks. ...
  6. Verify through industry associations. ...
  7. Look for red flags. ...
  8. Conduct a thorough background check.