Your COBRA coverage may be terminated if:
- You become eligible for Medicare Medicare is the federal government health insurance program that provides health care coverage if you are 65 or older, are under 65 and receive Social Security Disability Insurance (SSDI) for 24 months, begin receiving SSDI due to ALS/Lou Gehrig’s Disease, or have End-Stage Renal Disease (ESRD) no matter your age. You can receive health coverage directly through the federal government (see Original Medicare) or through a private company (see Medicare Advantage).
- You reach the maximum coverage limit
- You do not pay your COBRA premiums on time
- You become eligible for another job-based insurance plan ( Employer Group Health Plan See Group Health Plan. ) that does not have a Pre-existing Condition Waiting Period The waiting period is the time between signing up for a Medigap and the start of coverage. This waiting period is generally imposed if you have a pre-existing condition and have not had prior creditable coverage for a certain amount of time.  (if the new plan does have a waiting period, you may continue COBRA coverage during this period)
- The employer providing your job-based coverage stops coverage for all employees
- The employer providing your job-based insurance goes out of business
If you have COBRA and are approaching Medicare eligibility, know that your COBRA coverage usually ends on the date you get Medicare. You should enroll in Medicare Part B Part B, also known as medical insurance, is the part of Medicare that covers most medically necessary doctors’ services, preventive care, hospital outpatient care, durable medical equipment (DME), laboratory tests, x-rays, mental health services, and some home health care and ambulance services. immediately to ensure seamless coverage. If your COBRA coverage is ending and you are not Medicare-eligible, you should find alternative insurance to avoid Gaps in Coverage Gaps in coverage are services or costs that are not covered by Original Medicare, such as vision, dental, and hearing care, as well as deductibles and coinsurance. . Call the federal or state Marketplace or your state Medicaid office to discuss your insurance options.