Cobra Election Deadline Calculator
without the guesswork.
Cobra Health Insurance Election 60 Days — Compare the later-of 60-day planning point with the exact plan notice, then track election and the first-premium checkpoint. Uses a focused calculator with visible assumptions. Inputs stay in your browser.
DOL describes at least 60 days from the later of coverage loss or the election notice being furnished / mailed. The plan's complete election notice and exact deadline should be used when available.
Context matters.
- Each qualified beneficiary can have an independent election right; confirm who is covered and the exact election method.
- DOL says the first payment is generally due within 45 days after election, but later premiums and plan procedures have separate dates.
- State continuation, Marketplace special enrollment, Medicare coordination and other coverage options can follow different clocks.
Sources & scope
This page shows the source trail, jurisdiction and review date alongside the result. Always confirm time-sensitive rules with the linked authority.
What to know before using the result.
Which date starts the federal COBRA election period?
DOL describes the later of the date job-based coverage ends or the election notice is furnished or mailed. The complete plan notice should supply the exact deadline and method.
When is the first COBRA premium due?
DOL says the first payment is generally due within 45 days after election. Later monthly premiums have separate timing rules.
Does federal COBRA cover every employer plan?
No. Employer size, plan type, qualifying event and qualified-beneficiary status matter, and state continuation rules may provide a separate path.