I’m collecting disability and my COBRA is running out. How can I get health insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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COBRA (Consolidated Omnibus Budget Reconciliation Act of 1986) extension is normally 18 months, but many states offer a continuation beyond the 18 months of Federal COBRA. If your income is too high to qualify for Medicaid, ask your insurance company about State continuation. If it is not available in your State, you are guaranteed the option of buying a HIPAA (Health Insurance Portability and Accountability Act of 1996) plan. The policies offered under HIPAA must be the most popular polices sold previously by the insurer (as determined by number of members who bought individual coverage in prior years). The plans are normally high deductible options; the price cannot be greater than 150% of the price offered to a healthy buyer.

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