Can I apply for private health insurance through Access Health CT if I have COBRA?

Written by Access Health CT | Published May 3rd, 2021 | Updated May 3rd, 2021

1. What is COBRA?


COBRA is a federal law that may allow you to temporarily keep your health coverage after a qualifying event, such as job loss. If you choose COBRA continuation coverage, you may have to pay 100% of the monthly payments (premium), including the share the employer used to pay, and a small administrative fee. 

If you are being offered COBRA continuation coverage, there are some things you should know before you make a final decision. Access Health CT may offer a better, less expensive choice for you and your family. 


2. COBRA Coverage vs. Coverage through Access Health CT


We recommend that you check your options with Access Health before choosing COBRA for these reasons: 

  • Access Health CT is the only place you can qualify for financial help to pay for health insurance.

  • With COBRA coverage, you may have to pay 100% of the monthly payment (premium), including the share the employer used to pay, plus a small administrative fee.

  • If you decide you want to end your COBRA coverage early, you are only eligible to enroll during the Annual Open Enrollment Period – unless you have a Qualifying Life Event.

  • You may qualify for Medicaid or the Children’s Health Insurance Program (CHIP), and you can apply for and enroll in those programs any time of year. 


Also consider what other options you have, like being added to a spouse or household member’s health plan. 


3. Can I apply for private health insurance through Access Health CT if I already have COBRA?


You may be eligible to enroll in a Qualified Health Plan (QHP) during a Special Enrollment Period if your COBRA coverage ends or your former employer stops contributing and you must pay the full cost. If the cost does not change and you voluntarily terminate your COBRA coverage early, you will not be eligible to enroll in a QHP until the Open Enrollment Period begins.




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