Although for most people COBRA insurance coverage will only last 18 months, there  are some situations where COBRA health insurance can actually extend beyond the typical 18 months.  Knowing what these circumstances are can save you and your family from having to switch insurers or experiencing a lapse in health insurance coverage.

1.  A Second Qualifying Event:  Under the federal COBRA insurance laws, there are certain events, known as a Secondary Qualifying Event” that will extend COBRA insurance coverage for an additional 18 months to 36 months in total.  The downside to this law is that it almost only extends to dependents and spouses and not to the former employee.  If the formerly covered employee becomes entitled to Medicare, becomes divorced or separated from a spouse covered on the COBRA plan, or the formerly covered employee dies, their dependents/spouses are able to have health insurance under COBRA insurance plans.  Also if a dependent child covered under COBRA loses their dependent status, they can qualify for an additional 18 months of COBRA health insurance coverage.

2.  State Sponsored COBRA Insurance:  Many states offer their own COBRA insurance programs normally known as mini COBRA plans.  In some states, these plans offer an additional 18 months of coverage to eligible state recipients and their dependents.  Learn if your state offers state sponsored COBRA insurance here.

As always, before you decide to extend your COBRA insurance coverage for an additional 18 months you should always consider alternatives to make sure you have the right coverage at the right price.