Utah COBRA Insurance
In addition to the federal COBRA insurance coverage, the state of Utah also offers an extended COBRA insurance plan for employees at companies with between 2-19 employees. This means that even if you do not meet the requirements for federal COBRA insurance, you may still be eligible for COBRA insurance coverage in Utah.
Eligibility: In order to be eligible for Utah COBRA insurance, you must have been covered by the employer group health insurance plan employment loss and have a qualifying event that entitles you to COBRA insurance. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Utah. You are not eligible for Utah COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.
Signing Up: To sign up for the Utah COBRA insurance coverage, you must apply in writing after employment loss. You also must pay the COBRA premium in advance. Your employer and the group health insurer should provide you with an election notice for COBRA insurance when your employment ends, however you should immediately reach out to your insurer if you do not receive notification.
Length of Coverage: Utah COBRA insurance covers you for 6 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.
Termination: Utah COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Utah COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.
For help signing up for Utah COBRA insurance, you may consider contacting the following state agencies.
Utah Insurance Department
State Office Building, Room 3110
Salt Lake City, UT 84114-6901
P.O. Box 149104
Phone: (801) 538-3877 or (866) 350-6242
U.S. Department of Labor Employee Benefits Security Administration
San Francisco Regional Office
90 7th Street, Suite 11-300
San Francisco, CA 94103
Phone: (415) 625-2481
Fax: (415) 625-2450
Frequently Asked Questions
What other options do I have if I don't qualify or want state sponsored COBRA insurance?
There are many other options for health insurance, many of which are less expensive than typical COBRA plans: Alternatives to COBRA.
I just qualified for Medicare, can my family still receive COBRA insurance?
Yes - if you were the one who was providing the COBRA insurance policy (i.e. COBRA kicked in because you no longer were covered due to job loss/quitting and elected to continue to keep your group health insurance with COBRA). Under the COBRA insurance laws, this is known as a secondary qualifying event which will allow your family to be covered for an additional 7 months.
Can I continue COBRA insurance just for my spouse?
Yes. When you receive your COBRA insurance enrollment form, you will be able to choose you would like to sign up for COBRA insurance coverage. This means that you can pick and choose who will continue to be covered under the health insurance policy with COBRA. You can choose to just cover your spouse and find alternative insurance for yourself.
Is there a grace period before they cancel COBRA insurance if I can't pay?
With most health insurance plans, there is a 30 day grace period, within which you need to pay your COBRA health insurance premium. If you fail to pay the premium within this window it is likely that your COBRA insurance will be cancelled and you will not be able to sign back up.
How do I apply for state sponsored COBRA insurance?
Every state has a specific application process to receive state sponsored COBRA insurance. Generally, you will need to request an election form from your employer and will have between 14-60 days to submit your form and pay the initial premium. On this form, you will have to prove that you are eligible and provide personal information for everyone you wish to remain on the plan under COBRA.
Are my COBRA insurance premium payments tax deductible?
It all depends on your health insurance plan and your current income and taxes. Unfortunately there is no simple answer here. The easiest way to find out if your health insurance premiums under COBRA is to contact your health insurance administrator or reach out to the IRS or a specialized tax agent.
Can I cancel my COBRA insurance?
Of course! COBRA insurance is meant to be an interim way to keep health insurance after you lose or quit your job. Once you have found a new job with health insurance or decide to sign up for an alternative health insurance plan, you can cancel your COBRA insurance policy at any time by contacting your COBRA insurance administrator.
Will I need new health insurance cards with COBRA insurance?
Because COBRA insurance is just the law that allows you to keep your health insurance previously provided by your employer, given you meet the requirements, you will not need to get a new health insurance card in most cases. Your health insurance will not change when you sign up for COBRA insurance and therefore you will in most circumstances not need a new health insurance card.
Can I apply for COBRA insurance if I quit my job?
One of the great things about the COBRA law is that you are entitled to continue your coverage whether you lost your job voluntarily or involuntarily. This means that even if you quit your job, you and your family can still receive COBRA insurance benefits.
Can I drop my COBRA insurance coverage at any time?
Of course! COBRA insurance laws are meant to protect people and families while they seek out other health insurance either through an independent company or by becoming employed elsewhere. Therefore, you can drop your COBRA health insurance coverage at any time. You need to notify your group health insurance provider under COBRA when you would like the coverage to end. Make sure to check with your new employer or insurer for when the policy will become active. In many companies, there is a 90 day waiting period until COBRA insurance kicks in.