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58 TOOLS / 194 GUIDES
NEW ×194 State Health Insurance Mandates 2026
60-Day Window · US 2026 Workplace Verified

COBRA Election Notice Letter

Elect health coverage continuation in writing, with the premium, dependents, and start date confirmed on the record.

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Deliver the news in person (1-on-1 script)

US rule: speak with your manager directly before sending formal emails.

Starting the meeting: "Thank you for sitting down with me today. I wanted to share that I have decided to pursue a new career milestone, and my last day will be November 24, 2026. I wanted to tell you personally and thank you for your support."
Handling a counteroffer firmly: "I am deeply flattered by your faith in my contributions, but this change is centered on my broader trajectory rather than compensation. I am 100% focused on training the team and finishing key deliverables."

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    ACA special enrollment opens 60 days from the life event: coverage loss, marriage, birth, move, and job changes. The 30-day change notice protects subsidies, and Medicaid jumps when income …

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    Most plans treat 12+ months away as a break: pension accrual restarts, seniority resets, and some plans re-grade vesting from zero. Return within a year keeps continuity in many plans — the…

COBRA & State Mandates 2026 COBRA & State Continuation Laws COBRA, FSA & HSA: Paying Premiums COBRA vs ACA Marketplace: Subsidy Math COBRA Premium Math: 102% & Family Comp Records for Loans, Rentals & Visas Comp Records After You Leave: Pay Proofs Workers' Comp Settlements: Lump & Structured

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Frequently Asked Questions

How long do I have?

Federal law gives 60 days from the coverage end to elect COBRA. The employer must send the election notice; you have the window even if the notice arrives late. See the continuation guide (/guides-cobra-continuation.html).

Is COBRA the best option?

Not always. Marketplace plans with subsidies are often cheaper; COBRA costs 102% of the group premium. Run the math in the rate guide (/guides-cobra-rate-math.html) and the marketplace guide (/guides-cobra-marketplace.html).