Human Resources

COBRA

COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 mandates that employers offering health insurance with 20 or more employees must continue to offer employee benefits when they quit, are laid off or fired, or have their work hours reduced. Additionally, benefits must be offered to the employee’s spouse and dependents. COBRA benefits apply to health care plans, dental plans, vision plans, prescription drug plans, etc. Benefits may continue for up to 18, 24, 29 or 36 months, depending on the cause for the loss of benefits. 

COBRA FAQs

 

MONTHLY COBRA PREMIUM RATES CY 2025
Option A = Medical, Vision, and Dental Option B = Medical Only
PPO Plan Surest Plan HDHP
Employee (only)
Option A $1,176.20 $1,042.73 $698.89
Option B $1,101.95 $968.47 $624.64
Employee plus Spouse
Option A $2,329.98 $1,936.32 $1,375.14
Option B $2,189.50 $1,795.84 $1,234.67
Employee plus Child(ren)
Option A $2,127.38 $1,758.53 $1,268.79
Option B $1,997.66 $1,628.81 $1,139.06
Employee plus Family
Option A $3,188.17 $2,713.00 $1,849.08
Option B $2,987.42 $2,512.24 $1,648.32
Rates for Dependents Only
Option A
Spouse $1,176.20 $1,042.73 $698.89
One Child Only $1,176.20 $1,042.73 $698.89
Two + Children $2,127.38 $1,758.53 $1,268.79
Spouse and Child(ren) $2,127.38 $1,758.53 $1,268.79
Option B
Spouse $1,101.95 $968.47 $624.64
One Child Only $1,101.95 $968.47 $624.64
Two + Children $1,997.66 $1,628.81 $1,139.06
Spouse and Child(ren) $1,997.66 $1,628.81 $1,139.06
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