I lost my job and health benefits last summer. Can I get this new COBRA subsidy?

Yes.  During the COVID emergency, the time people have to elect COBRA is extended by up to one year.  So if you lost your job last summer and were then eligible for COBRA, you still have time to elect it.

Normally, when you elect COBRA, coverage applies retroactively back to your qualifying event and you must pay premiums back to that date.  However, if you are eligible for the COBRA premium subsidy and if your layoff happened before the new law passed, your COBRA coverage will take effect on April 1, 2021, and the premium subsidy will also start then.   

Your 18-months of COBRA eligibility will still be based on the date of your qualifying event.  So, for example, if your qualifying event was June 1, 2020, your 18 months of COBRA eligibility will run out at the end of November 2021 (though the COBRA subsidy ends by September 30, 2021.)

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

The Henry J. Kaiser Family Foundation Headquarters: 185 Berry St., Suite 2000, San Francisco, CA 94107 | Phone 650-854-9400
Washington Offices and Barbara Jordan Conference Center: 1330 G Street, NW, Washington, DC 20005 | Phone 202-347-5270

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Filling the need for trusted information on national health issues, the Kaiser Family Foundation is a nonprofit organization based in San Francisco, California.