Comprehensive COBRA Insurance Information

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Alaska COBRA Insurance

Currently the state of Alaska does not offer any additional COBRA insurance outside of those provided under the federal COBRA law. To learn more about federal COBRA insurance please visit our main COBRA insurance page.

For help electing for COBRA coverage in the state of Alaska you may consider contacting the following state agencies.

Alaska Division of Insurance - Anchorage Office
Robert B. Atwood Building
550 W. 7th Avenue, Suite 1560
Anchorage, Alaska 99501-3567
(907) 269-7900
http://www.commerce.state.ak.us/insurance

Alaska Division of Insurance - Juneau Office
9th Floor State Office Bldg.
333 Willoughby Avenue 99801
PO Box 110805
Juneau, Alaska 99811-0805
(907) 465-2515
http://www.commerce.state.ak.us/insurance

Alaska Comprehensive Health Insurance Association
The Alaska Comprehensive Health Insurance Association (ACHIA) is an agency that helps individuals to secure health insurance benefits after their COBRA insurance has run out.
P.O. Box 1090
2015 - 16th Street
Great Bend, Kansas 67530
Phone: Toll Free 1-888-290-0616
Monday-Friday 8:00 AM to 5:00 PM (Alaska Time)
Email: [email protected]
http://www.achia.com/

Frequently Asked Questions

Can I sign up for COBRA Insurance if I retire?

Yes - under the COBRA insurance law, retiring from your job is considered a qualifying event which means you can elect to continue to keep your group health insurance plan with COBRA insurance. Make sure to get the COBRA enrollment form from your employer, complete it on time, and submit it on time with the premium that is due.

Can I use COBRA insurance more than once?

COBRA insurance laws apply each and every time you leave a job and meet the COBRA insurance eligibility requirements. That means that you can be eligible for COBRA insurance multiple times in your life as long as you meet the federal or state requirements.

Is it hard to find a new doctor if I sign up for COBRA insurance?

Since COBRA insurance is just the law that allows you to continue to maintain your group health insurance plan, finding a doctor will be the exact same as it was on the plan you had while you were working. Remember COBRA just allows you to keep that plan. This means that you can keep all the same doctors and finding a new doctor falls under the same restrictions as it did while you were employed.

What is state sponsored COBRA insurance?

State sponsored COBRA generally looks identical to the federal COBRA insurance coverage but applies to more people than the federal law. It allows someone to extend their group health insurance coverage after losing their job for a specified period of time. This time period varies from state to state. Also, the cost varies from state to state.

Can my COBRA insurance premiums change?

Yes. Since COBRA insurance is just a continuation of your group health insurance plan, any changes to that plan, including an increase or decrease in premium costs, will also affect your premium cost under COBRA insurance. Your bill will reflect any changes in costs for the premium. COBRA insurance premiums cannot be locked in at any point.

Can I keep my HSA or flexible spending account with COBRA insurance?

COBRA insurance laws provide that you can continue to maintain your current health insurance plan if you leave or quit our job and meet the COBRA insurance requirements. This means that you can keep all benefits of the previous plan, including HSA and flexible spending accounts under COBRA insurance laws. If you have specific questions about what this looks like you should contact your group health insurance provider.

Can I get COBRA insurance if I worked for a small company?

It depends on the size of your company and the number of employees covered under their insurance plan (either full time or their part time equivalents. Federal COBRA insurance only applies to companies who cover at least 20 employees. However, many states have created their own COBRA insurance laws to offer extended coverage to employees at companies with between 2-19 employees. Learn more about state sponsored COBRA insurance.

Can I sign up for COBRA insurance after the 60 day window?

Unfortunately you can not sign up for COBRA insurance after the 60 day enrollment window has ended. If that window has passed you will need to look for alternative insurance through a private company so that you can have health insurance.

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 sign up for COBRA insurance if I quit my job?

Yes! Under COBRA insurance you can sign up for COBRA insurance if you leave your job voluntarily (i.e. quitting) or involuntarily (i.e. being laid off). You will need to complete the COBRA insurance enrollment form which should be provided by your employer.

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