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Indemnity policies, PPOs, HMOs, and self-insured plans are all eligible for COBRA extension; however, federal government employee plans and church plans are exempt from COBRA.
COBRA continuation coverage will ensure you have health coverage until the coverage through your Marketplace plan begins. Through the Marketplace you can also learn if you qualify for free or low-cost coverage from Medicaid or the Childrens Health Insurance Program (CHIP).
COBRA Premiums For COBRA, you will pay 102% of the premium the employer pays. For CalCOBRA, you will pay: At least 110% of the premium the employer pays if it is based on the age of covered employees.
Federal COBRA generally extends health coverage for 18 months. Individuals with certain qualifying events may be eligible for a longer extension (e.g., 29 or 36 months). Cal-COBRA allows individuals to continue their group health coverage for up to 36 months.
The California Continuation Benefits Replacement Act (Cal-COBRA) specifies the amount a qualified beneficiary can be charged for continuation coverage, how long the continuation coverage can last, and when coverage can be terminated.
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Much like federal COBRA, Cal-COBRA is a California law that lets you keep your group health plan when your job ends or your hours are cut. It may also be available to people who have exhausted their federal COBRA. Cal-COBRA applies to employers and group health plans that cover from two to 19 employees.
COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. COBRA allows former employees, retirees, and their dependents to temporarily keep their health coverage.
Cal-COBRA covers indemnity policies, PPOs and HMOs, but not self-insured plans. Unlike federal COBRA, church plans are covered under Cal-COBRA. Federal COBRA generally extends health coverage for 18 months.

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