When You Quit A Job When Does Health Insurance End?

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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Depending on the plan design and how your employer approaches it, either the last day of work or the last day of the month. After that, if your employer has 20 people at work on any given day, you should be offered COBRA continuation coverage. The 20 headcount for COBRA continuation can inlcude part time employees that are not part of the health plan. If your health plan was with a company of less than 20 active employees on any given day, you may still get some extended coverage. it's going to depend on the state and plan design. In my state some insurers offer 3 months extended coverage for people who aren't COBRA eligible because of the size of the group.
    Answered on March 24, 2013
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    dmrozek
    Ann Arbor, MI
    It really depends upon the employer but it will usually end the month after you leave.  Once you leave, you will, most likely, not meet eligibility requirements.  If the company has a written policy that complies with state and federal laws they could keep you on longer, but most don't.  This doesn't mean. however, that you'll be without insurance.  COBRA is the federal statute that requires that you be offered a continuation of your coverage after you are no longer eligible for that company's group coverage.  Under COBRA, you will be given the option to pay for your coverage on your own.  You can be charged a fee for this and it can be expensive.  Depending on the company, you may also be eligible to convert your group coverage to an individual policy.  If you elect this, once again, you'll be responsible for the premiums.  However, you usually will have options to choose from that may be able to save you some premium dollars.  Just be aware of the coverage changes.  Now that we have new healthcare laws, you also have the option of going to an exchange to get your coverage.  Talk to an agent or the company's customer service people to get some good advice on choosing the right plan.
    Answered on December 12, 2013
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