My employer has several health ins plans. My employer is required to provide Cobra coverage as it has several dozen employees.

If I were to choose one during open-enrollment, then get laid-off, the layoff, from my understanding, would be consider a life event thereby allowing me to pick a different plan if I choose to continue to use my employers health-plans?

General QLE question

1 Answer 1


My understanding is that you do not get to pick a plan, but rather if laid off you are able to select the COBRA option for the insurance you have signed up for. Normally this will happen at a substantially higher rate, and it is time limited to 36 months. Costs are capped at 102% of the employer's current rate.

You did not indicate what state you are in; I believe the requirements differ in some jurisdictions.

  • I added information in tags. I also added link to more general question I posed regarding QLE in general. Not certain money or law best place.
    – paulj
    Nov 8, 2019 at 14:31

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