The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986 gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time. COBRA Continuation of Group Health Coverage is available when health benefits are lost under certain circumstances, such as voluntary or involuntary job loss, reduction in the number of hours worked, transition between jobs, death, divorce, and other life events. Individuals who qualify for COBRA continuation of health insurance may be required to pay the entire premium for coverage up to 102 percent of the cost of the plan. COBRA medical insurance also has restrictions in terms of how long of a time period the individual or family are eligible for coverage.
COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.
VIPER Health Insurance is the insurance industry alternative to COBRA as well as a industry leader in COBRA information & resources. VIPER Health Insurance offers consumers with an opportunity to obtain affordable VIPER® temporary credible health insurance coverage along with the most accurate up-to-date information and laws pertaining to the Consolidated Omnibus Budget Reconciliation Act of 1986, more commonly referred to as COBRA.
Learn more about COBRA continuation of health insurance by selecting a link below.
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VIPER Health Insurance makes buying health insurance very easy. Individuals can learn all the most accurate and up-to-date information and resources about COBRA insurance continuation of health coverage and medical insurance benefits. VIPER serves the public as the Industry Standard Alternative to COBRA, offering popular temporary health insurance plans, short-term major medical insurance, and the most affordable COBRA alternative health insurance plans. VIPER Health Insurance has developed a place where individuals, families, businesses, and college graduates & college students can select an available health insurance plan and uniquely design the coverage to suite their financial needs.
Any and all information about Temporary health insurance, short-term major medical insurance, COBRA insurance, and any other health insurance information or resources being offered through this website or any VIPER Health Insurance official affiliate websites is not intended as legal advice, but is provided for the general public as general information. Facts, circumstances, and the application of particular laws will differ in individual circumstances. Temporary health insurance plans, short-term major medical insurance plans, and affordable COBRA alternative health insurance plans available in most state. To check if VIPER Health Insurance has an available plan in your state please see the list below or check state availability.
Offering Temporary health insurance, short-term major medical insurance, and affordable COBRA alternative plans in most of the following states:
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, District of Columbia D.C., Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY
