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COBRA COVID-19 Updates

Impacts on COBRA

March 12, 2021

American Rescue Plan Act

On Thursday, March 11, 2021, the President signed the American Rescue Plan Act (the 'Act') which includes continuation coverage premium assistance for certain individuals and their families receiving COBRA due to an involuntary termination of employment or a reduction of hours. The Act also includes a temporary change to Dependent Care Flexible Spending Accounts (DCFSAs).

Our teams are currently reviewing the guidance to determine the impacts to both our clients and members. Based on this review, the team will determine next steps, so our clients and members have a solid course of action.

Covid-19 | Member Resource

COBRA Update

The Consolidated Omnibus Budget Reconciliation Act (COBRA) mandates that certain employers provide opportunities to elect continuation of health insurance for certain employees and their families after a loss of coverage due to a job loss or other qualifying events.

The Department of Labor (DOL) recently released guidance to provide relief for certain COBRA deadlines during the COVID-19 Outbreak Period. Certain COBRA deadlines are suspended from March 1, 2020 until 60 days after the national emergency ends (official date yet to be determined). Learn more about COBRA and the recent guidance at

What does this mean for you?

Employees (or former employees) must generally pay the full amount of the insurance premiums and, if applicable, an administrative fee

Qualifying events can include:

  • Voluntary and involuntary job loss
  • Reduction in work hours
  • Death of the employee
  • Loss of dependent status
  • Divorce or legal separation of employee and their spouse
  • Employee becomes entitled to Medicare

Your employer (or former employer) is responsible for providing:

  • Notifications
  • Billing
  • Payment collection
  • Typically, your employer will work with a COBRA provider (such as us) to handle the required tasks.

Frequently Asked Questions

There have been a lot of changes during this past month as the nation deals with COVID-19. This list will hopefully help you find the answers you need regarding your health accounts and the recent changes.

Have more questions? Contact us.

COBRA/Direct Bill Employer login

Please refer to your Client Welcome email for the URL of your specific COBRA/Direct Bill Employer login page.