Employee's guide to COBRA - Department of Labor
Employee’s guide to COBRA – Department of Labor

California Cal-Cobra (Insurance Code §10128.50   Our site with annotations) allows one, be they the employee, spouse or child to  keep their prior Employer Group Medical Insurance Coverage when you lose your job or have another qualifying event.  Some examples are:

Cal COBRA coverage extends for 18 months after Federal COBRA which covers employers of 20 or more, expires, even if you were an owner or partner of the company.  If you worked for a Small Employer, under 20 employees, Cal COBRA provides the entire 36 months of coverage.  When Cal COBRA ends, we can help you obtain, buy Coverage, (HIPAA is no longer available) coverage for your new business or an Individual & Family Plan. (SB 719, California Continuation Benefits Replacement Act §10128.50 et seq. ,  §1366.2,  AB 1401 )    401 K Rollover?

On the other hand, with Guaranteed Issue Health Care Reform, we don’t think COBRA or Cal COBRA carries the tremendous value that it did in the past.   Covered CA explanation of Cobra vs ObamaCare.

FREE Quotes for CA  ♦  Nationwide.

Click here for instructions  to appoint us as your agent for FREE year around support.   There is no more pre-exisiting condition clause and even though it’s not Open Enrollment, when you lose group coverage is a Qualifying Event that gives you 60 days to enroll in an Individual Plan.

Send us your question?

Consumer Links

Department of Managed Health Care on COBRA & Cal COBRA

Employee Guide to Cal Cobra (20 Pages)

Disability Benefits 101 FAQ’s Cal COBRA

Pit Falls of Cal COBRA – DI 101

DOL (Dept. of Labor) More Info – Job Loss

DMHC Laws relating to Health Care Plans in CA

 Other pages in this section

Evidence of Coverage

Insurance Company WebPages, then look for Administration Page to find
EmployER Administrative Manuals

Senior COBRA

Technical & Research Links

Actual Text of Cal COBRA Law 

California Continuation Benefits Replacement Act,

10128.51.  (a) “Continuation coverage” means (b) “Group benefit plan” has the same meaning (d) “Qualifying event(e) “Employer” means (f) “Core coverage” means (g) “Noncore coverage” 10128.52. AB 112  10128.53. (a) Every disability insurer (c) Every disability insurer

10128.54.  (a) 10128.55.  (a)10128.56. 10128.57.  (a) (7) The employer, or any successor employer or purchaser of the employer, ceases to provide 10128.59.  (a) (d) This section shall not apply toKnox Keene Heath Care Act


Different plans?

When you have COBRA or Cal COBRA, you have the same rights as other employees.  You may change plans at Plan Anniversary – Open Enrollment, otherwise everything is the same as when you were an employee, other than you are paying all the premium and a 2% surcharge for the extraexpense of an individual vs group employER invoice.


2 comments on “California Cal-COBRA

  1. I will be exhausting my COBRA coverage within 6 months & am counting on CAL-COBRA for additional coverage. Immediately after retirement I moved out of California. Will this affect CAL-COBRA coverage? I have been paying my premiums on time.

    • Here’s a sample Group policy from Blue Cross, see page 128 for Cal COBRA rules. See # 8 on page 130, once you move out of the service area, you wouldn’t be able to continue cobra. On page 151 Service Area is defined as The geographical area where you can get Covered Services from an In-Network Provider.

      Here’s confirmation from the DMHC.CA.Gov website:

      When do Federal COBRA and Cal-COBRA end?

      They end when:

      You move outside the health plan’s service area.

      The ACA – Obamacare is all guaranteed issue. Check with a local agent.

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