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What are my options if I have to leave my group insurance?

If you need to leave your employer-sponsored plan, you have two options. You can choose COBRA or purchase an individual health insurance plan.

You qualify for insurance through COBRA if you are leaving a group of 20 or more and your health insurance was canceled within the last 60 days because:

  • You were laid off
  • You are working fewer hours than you used to
  • Your employer ended your employment
  • You ended your employment

In some circumstances, spouses and children can also qualify for COBRA coverage. This can happen:

  • When a spouse or parent who receives coverage dies
  • When a spouse or parent who receives coverage gets divorced
  • When a spouse or parent who receives coverage becomes eligible for Medicare
  • When a child of a parent who receives coverage is no longer eligible for dependent child status

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