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COBRA - Keeping Employer Group Health Insurance After a Job Ends - Federal & New York State Protections

 Basic Information on COBRA under Federal & New York State Law

Here are resources on rights to continue coverage after losing one's job, under the federal "COBRA" law.

Hard Times and Health Insurance

Publication Date: 03.03.2009 - United Hospital Fund
Author: Peter Newell and Mark Scherzer, E

In response to the growing number of New Yorkers who risk losing health insurance coverage in the current troubled economy, this guide--the first to help New Yorkers understand how to benefit from the COBRA premium assistance enacted in early 2009--presents practical advice on state and federal protections, and how to exercise them.   At the above link there is a link to download the original publication from March 3, 2009 and also  links to important updates, from April and March 2010 and December 2009, download the additional files posted there.


  • Unmarried children up to age 29 are now eligible for coverage under fully insured group policies maintained by a parent. Employers may permit children to enroll at a family member rate, but otherwise these children can enroll at the full adult rate. Information on this new program is available at http://www.ins.state.ny.us/health/S6030_Age29.htm .

  • Individuals and families who face the loss of COBRA coverage after 18 months may be eligible to extend their COBRA benefit under fully insured group plans for another 18 months as a result of a new New York State law  enacted in  11/2009,  Information and an FAQ  are available at http://www.ins.state.ny.us/cobra/cobra_ext_36.htm.

    • The text of the law and other COBRA-related information are posted at http://www.ins.state.ny.us/cobra/cobra_prem.htm.  This includes a..

    • Model New York State Continuation Coverage Election Notice (updated 08/12/2010)

      Revised model notice that insurers may use to notify workers of the premium subsidy that includes information about the federal premium subsidy extension

      Model Notice (RTF/Word format)

      This article was authored by the Evelyn Frank Legal Resources Program of Selfhelp Community Services, Inc.


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