Do I automatically lose my health insurance when I lose my job?

Get Legal Help Today

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

You won’t necessarily lose your health insurance if you are fired or laid off from your job. If your company has 20 or more employees, and carries health insurance, it falls under the Consolidated Omnibus Budget Reconciliation Act (COBRA). Under this federal law, terminated employees or employees who resign can purchase continued coverage under their former employer’s health insurance plan, at the group rate the employer had been paying (which is generally lower than the street value of the premium) for up to 18 months after the employee has been terminated. Some states have their own version of “COBRA”. For instance, California has Cal/COBRA, which covers employers with 2-19 employees. It requires that former employees be able to purchase coverage for 36  months. Cal/COBRA also adds an additional 18 months of coverage for those employees covered by Federal COBRA, bringing their total insurance coverage to 36 months.

Get Legal Help Today

Find the right lawyer for your legal issue.

 Secured with SHA-256 Encryption