COBRA
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.
- If you are losing job-based health insurance coverage and have not signed up for COBRA, learn about your rights and options under COBRA from the
U.S. Department of Labor.
- If you decide not to take COBRA coverage, you can enroll in a Marketplace plan instead. Losing job-based health insurance coverage qualifies you for a Special Enrollment Period. This means you have sixty (60) days to enroll in a health plan, even if it’s outside the annual Open Enrollment Period.
You can learn more by visiting
Health Insurance Marketplace website.
COBRA Summary of Benefits by Employer
UMC FY 2025 - 2026
EPCH FY 2025 - 2026
COBRA Premiums by Employer
UMC Monthly Premiums FY 2026
| Medical Plan | Metlife Dental | Metlife Dental PPO | Superior Vision |
| EE Only $654.08 |
EE Only $ 8.80 |
EE Only $27.67 |
EE Only $9.00 |
| EE & Spouse $1452.76 |
EE & Spouse $14.67 |
EE & Spouse $53.59 |
EE & Spouse $18.73 |
| EE &Children $1145.57 |
EE & Children $17.61 |
EE & Children $71.57 |
EE & Children $15.96 |
| Family $2,374.31 |
Family $28.61 |
Family $97.76 |
Family $27.10 |
*Premiums are subject to change every fiscal year
EPCH Monthly Premiums FY 2025
| Medical Plan | Metlife Dental | Delta Dental PPO | Superior Vision |
| EE Only $550.77 |
EE Only $7.85 |
EE Only $30.12 |
EE Only $9.35 |
EE & Spouse
EE & Domestic Partner $1294.25 |
EE & Spouse $17.15 |
EE & Spouse $58.98 |
EE & Spouse $19.03 |
| EE &Children $952.91 |
EE & Children $18.03 |
EE & Children $76.91 |
EE & Children $16.20 |
| Family $1,958.27 |
Family $27.98 |
Family $105.57 |
Family $27.51 |
*Premiums are subject to change every fiscal year
COBRA Resources
Frequently Asked Questions: COBRA Continuation Health Coverage
Provides answers to commonly asked questions about COBRA.
Health Benefits Under the Consolidated Omnibus Budget Reconciliation Act (COBRA)
Provides a detailed overview of the major provisions of COBRA.
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