Short answer: Cal-COBRA lets you stay on a health plan from an employer with 2 to 19 employees for up to 36 months after losing coverage, at up to 110% of the premium. If you used 18 months of federal COBRA from a larger employer, Cal-COBRA can generally extend you to 36 months total. According to the DMHC, you must return the election form within 60 days and pay the first premium within 45 days.
Cal-COBRA at a glance
| Item | Rule | Source |
|---|---|---|
| Who it covers | Group health plans of employers with 2 to 19 employees | DMHC: Keep Your Health Coverage.aspx) |
| After federal COBRA | Can extend 18 months of federal COBRA to up to 36 months total | DMHC |
| Maximum length | Up to 36 months | Health and Safety Code §1366.21 |
| Maximum premium | 110% of the rate for a similarly situated covered person | Health and Safety Code §1366.26 |
| Deadline to elect | 60 days from the later of losing coverage or getting the election notice | DMHC |
| First premium | Within 45 days after electing | DMHC |
Federal COBRA vs. Cal-COBRA
Federal COBRA covers larger employers (20 or more employees). Cal-COBRA fills in for smaller employers and can add time after federal COBRA ends.
Checklist
- Watch for the election notice and calendar the 60-day deadline.
- Pay the first premium within 45 days of electing.
- Compare other options, such as Covered California special enrollment, before you elect.
- If you miss a deadline, contact the employer or health plan right away, as the DMHC advises.
Related: disability insurance.
Frequently asked questions
What is Cal-COBRA?
California's continuation coverage law for group health plans of employers with 2 to 19 employees, and for extending federal COBRA up to 36 months total.
How long does Cal-COBRA last?
Up to 36 months.
How much does Cal-COBRA cost?
Up to 110% of the plan's premium for a similarly situated covered person (Health and Safety Code §1366.26).
What is the deadline to elect Cal-COBRA?
According to the DMHC, 60 days from the later of losing coverage or receiving the election notice, with the first premium due within 45 days of electing.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.