insurance
COBRA Election Period
COBRA選択期間 (COBRA sentaku kikan)
The COBRA election period is the 60-day window after losing employer-sponsored coverage (or receiving the COBRA election notice) during which an eligible employee or dependent can choose to continue their group health coverage under COBRA. The election deadline is strictly enforced; missing it forfeits the right to COBRA. Coverage, once elected, is retroactive to the date of loss of coverage, meaning a person can wait until they have a medical expense before enrolling and still receive retroactive coverage — though they must pay all retroactive premiums.
The 60-day election window runs from the later of the loss of coverage date or the date the COBRA notice is sent to the qualified beneficiary.
In 9 languages
| Language | Term |
|---|---|
| English | COBRA Election Period |
| Japanese (日本語) | COBRA選択期間 |
| Chinese (中文) | COBRA选择期 |
| Korean (한국어) | COBRA 선택 기간 |
| Portuguese | Período de Eleição COBRA |
| Spanish | Período de Elección COBRA |
| Filipino | COBRA Election Period |
| Thai | ช่วงเวลาเลือก COBRA |
| Vietnamese | Thời gian chọn COBRA |
| Romanization | COBRA sentaku kikan |
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Browse US healthcare guides →Last reviewed: September 2026