Individuals Currently Receiving COBRA Coverage Have Until July 1 To Enroll In Coverage In ACA Marketplace

Wednesday, May 14, 2014

Medical Foundation of Chattanooga Navigators are available to assist consumers currently receiving COBRA coverage for their health insurance needs.

After leaving a job, individuals may be able to keep their job-based health coverage, called COBRA continuation coverage, for a certain period of time. Consumers who currently have COBRA continuation coverage, may qualify for a Special Enrollment Period that will allow them to terminate their current coverage and obtain health insurance through the Federally-Facilitated Marketplace.

In order to take advantage of this one-time Special Enrollment Period, you must enroll in a new plan by July 1.

Consumers currently receiving COBRA may find themselves paying up to 102 percent of the total cost of the employer-insured insurance. For those who qualify for Advanced Premium Tax Credits, these costs may be reduced significantly. Better and more affordable coverage options may be available.

Those not enrolled in a new plan by July 1 will then have to wait for Open Enrollment in November to obtain a new plan or wait for their next Special Enrollment Period when their COBRA coverage expires. COBRA plans can last up to 18 months and usually the entire monthly premium must be paid by the individuals.  Subsidies may be available in the Marketplace that can assist with monthly premiums depending on household size and income.

Contact Navigators at the Medical Foundation for assistance and to learn more about COBRA benefits and the Marketplace. They can be reached at (423) 622-2872 from 8:30 a.m. to 5 p.m. Monday through Thursday, and 8:30 a.m. to 4 p.m. on Fridays.

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