COBRA health coverage after a job ends
COBRA generally lets workers and their families keep group health coverage for a limited time after events such as job loss or reduced hours. It usually applies to plans of employers with 20 or more employees, and you may have to pay the full premium plus a small administrative fee (up to 102% of the cost).
How do I sign up?
The plan must send an election notice. Follow the instructions and deadlines in that notice.
Does my small employer offer COBRA?
Federal COBRA generally covers employers with 20 or more employees. Some states have their own continuation laws for smaller employers.
Where can I learn more?
The Department of Labor's COBRA page and FAQs.
Official sources to check
This page is general information, not legal advice. Laws change and differ by state and city. Last reviewed October 2026. How answers are made
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