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Taxes, Fees & Exemptions
When you lose job-based insurance, you may be offered COBRA continuation coverage by your former employer.
See 2019 plans and prices to compare them to your COBRA coverage or offer.
If you’re already enrolled in COBRA, you may have options in the Marketplace.
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If your COBRA is running out | If you’re ending COBRA early | If your COBRA costs change because your former employer stops contributing and you must pay full cost |
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During Open Enrollment |
Yes, you can change. |
Yes, you can change. |
Yes, you can change. |
Outside Open Enrollment |
Yes, you can change — you qualify for a Special Enrollment Period. |
No, you can’t change until the next Open Enrollment Period, your COBRA runs out, or you qualify for a Special Enrollment Period another way. |
Yes, you can change — you qualify for a Special Enrollment Period. |
Yes. This means if you have COBRA coverage you don’t have to pay the fee that people without coverage must pay.
Your options depend on whether it’s during the annual Open Enrollment Period and whether the cost for you has recently changed. See the COBRA options chart.