COBRA Help / Frequently Asked Questions (FAQ)

What is COBRA continuation health coverage?

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) was enacted April 7, 1986. Generally, COBRA provides that virtually all employers who sponsor group health plans must permit covered individuals who lose coverage under the plan as a result of certain enumerated events to elect to continue their insurance coverage under the plan for a prescribed period of time on a self-pay basis.

Do I need to offer COBRA?

Group health insurance plans for employers with 20 or more employees on more than 50 percent of its typical business days in the previous calendar year are subject to COBRA. Both full-time and part-time employees are counted to determine whether a plan is subject to COBRA. Each part-time employee counts as a fraction of an employee, with the fraction equal to the number of hours that the part-time employee worked divided by the hours an employee must work to be considered full time.

What is the COBRA Handbook?

Please see the description of the COBRA Handbook in our Overview section.

What is the COBRA Guide?

Please see the description of the COBRA Guide in our Overview section. Scroll to the bottom half of the page when you get there.

How can this site help me with my COBRA administration?

With access to all of the laws and regulations associated with COBRA, you will become more comfortable with the decisions you make and the processes you use when handling your own COBRA administration. Use the resources provided by COBRAAnswers as a complement to your existing COBRA administration practices.

Can I get COBRA advice from COBRAAnswers?

Due to liability reasons, COBRAAnswers cannot provide you with advice regarding your COBRA administration. Instead, it is our hope that we can provide you with all of the useful information you need to make sound, informed decisions when it comes to your COBRA administration.

How often is the information on COBRAAnswers updated?

The COBRA Handbook is a yearly edition, so it is updated near the end of each year. The COBRA Guide is updated on a monthly basis. Remember, at COBRAAnswers you have access to all of these updates at no extra charge. Save yourself from having to locate and purchase all of this information as we have it available for your access 24 hours a day.

How do I sign up?

Click on the Sign Up Now icon in the menu bar at the top of the page.

What forms of payment do you accept?

COBRAAnswers accepts MasterCard, Visa, American Express, and Discover.

How long does a COBRAAnswers subscription last?

Our subscriptions are on an annual basis, covering a 12-month period.

Can I cancel my COBRAAnswers subscription at any time?

A subscription to COBRAAnswers is a 12-month commitment and premature cancellation results in fees equaling the remaining balance of your subscription. However, you may buy-down to a lesser package with no fees involved.

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