Alternatives to COBRA
Both the Affordable Care Act and the Health Insurance Portability and Accountability Act (HIPAA) contain provisions that may qualify you for a special enrollment period which lasts for up to 30 days after the loss of job-based coverage. These exceptions allow you the opportunity to explore other health insurance coverage options.
- You can enroll in a spouse’s group health plan coverage.
- If you are under age 26, you can enroll in your parent’s group health plan as a dependent. You do not have to reside with your parents to take advantage of this option.
- You can explore the Health Insurance Marketplace in your state to find and compare private health insurance options and calculate your eligibility for tax credits or cost-sharing reductions.
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