How to Use the COBRA Deadline Calculator
COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you to continue your employer-sponsored health insurance for a limited time after losing coverage. This calculator shows your election deadline and maximum coverage end date.
Election deadline: You have 60 days from the date your coverage ends (or from receiving your COBRA notice) to elect continuation. Missing this deadline permanently forfeits your right to continue coverage.
Coverage duration: 18 months for standard job loss or hour reduction; 29 months if you have a qualifying disability; up to 36 months for other qualifying events like divorce or the covered employee becoming Medicare-eligible.
This calculator is for estimation purposes only. Verify your specific deadlines with your former employer's HR department or plan administrator.
Frequently Asked Questions
Job loss qualifies you for a Special Enrollment Period on the Health Insurance Marketplace (healthcare.gov). You may qualify for significant subsidies. Compare marketplace plans with COBRA before making a decision.
Yes — if you elect COBRA before the 60-day deadline, coverage is retroactive to the date your employer coverage ended. You will owe back premiums for the gap period, but you'll have continuous coverage.