COBRA isn’t permanent — and knowing your real end date matters as much as your premium. This guide breaks down the 18, 29, and 36-month rules, how state mini-COBRA laws can add (or subtract) time, and what to do before your coverage runs out.

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If you’ve just lost your job, cut back your hours, or aged off a parent’s or spouse’s plan, you’re probably staring at a stack of paperwork with one big question: should you keep your old employer’s health plan through COBRA, or shop for a private health insurance plan on your own? In 2026, that decision…

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