COBRA is a federal law

Your Right To Continue Coverage (COBRA)

COBRA is a federal law that allows you to keep your most recent employer-sponsored health coverage if it would otherwise end because of job loss or another qualifying life event. If you choose to continue the employer plan, you may do so for up to 18 or 36 months depending on the qualifying event.

On this website we answer common questions about navigating employer COBRA.

COBRA Application Instructions →

We’re The COBRA Experts

Helping individuals understand coverage choices between jobs, including COBRA continuation and affordable options like ACA, short-term, and other private plans.

Save money by comparing all of your options.

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Insurance Options Your COBRA Account

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COBRA is a federal law that gives workers and their dependents the right to continue their employer-sponsored health insurance after a qualifying event that would otherwise end their coverage.

To begin COBRA and pay premiums, workers should contact their employer or plan administrator.

Choose Your Health Plan

Apply for COBRA Insurance

The most expensive option but keeps your current doctors.

COBRA Instructions

Insurance Gap Coverage

Flexible and budget-friendly. Starts at $40/month.

Compare Savings

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✅ Fix : Introduce . Example: A couple argues about trust → not because one is jealous, but because past betrayal makes one sabotage the relationship. External event (e.g., an ex shows up) forces the flaw to surface. toggle on IPv4

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