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underwritten by Golden Rule Insurance Company, a UnitedHealthcare company.
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Visitor > Health Care Resources > Learning Center > Frequently Asked Questions > COBRA Alternatives FAQs

COBRA Alternatives

  • If I’m healthy, could that be a reason for not going on COBRA?
  • What type of person would benefit from an individual or family plan as opposed to using COBRA?
  • What is a potentially less expensive alternative to COBRA?
  • My COBRA term is ready to expire, what should I do?
  • May I get insurance coverage other than COBRA?
  • Why is COBRA so expensive?
  • How much will COBRA coverage cost?
  • What would cause my COBRA coverage to terminate early?
  • How long do COBRA benefits last?
  • When does the COBRA continuation of benefits begin?
  • Must I enroll in all of the medical, dental, and vision plans under which I was covered as an active employee?
  • What plans are not covered under COBRA?
  • What plans are covered under COBRA continuation of benefits?
  • What if my company closed or went bankrupt?
  • What alternative exists for COBRA?
  • Who pays for COBRA health coverage?
  • How long does COBRA coverage last?
  • How will I know if I’m eligible for COBRA?
  • What’s a Qualifying Event?
  • Who is entitled to benefits under COBRA?
  • What is COBRA?

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Personal insurance is not the same as COBRA, so review your COBRA information carefully. Failure to elect and exhaust COBRA coverage will eliminate HIPAA eligibility. You may have additional rights under state law.
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Golden Rule - A UnitedHealthcare CompanyCopyright © 1995-2012 Golden Rule Insurance Company, the underwriter and administrator of these individual and family plans marketed under the UnitedHealthOneSM brand. Health Insurance plans are medically underwritten and availability varies by state. Coverage may be provided by multiple policies/certificates. Not intended for use in New Mexico or Georgia.
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