COBRA – American Rescue Plan Act

The American Rescue Plan Act of 2021 (ARP) includes a six-month (April 1- September 30, 2021) federally financed COBRA subsidy covering 100% of COBRA premiums and additional election opportunities for employees who were involuntarily terminated or experience an involuntary reduction of hours (below 20 hours/week). The temporary COBRA subsidy must be offered to these eligible employees who:

  • Enrolled in COBRA or become eligible for COBRA on or after April 1, 2021, and before the subsidy ends on September 30, 2021;
  • Became eligible for COBRA prior to April 1, 2021, and the period of COBRA coverage to which they would be entitled (18 months) includes any month between April and September of 2021.

If your employment was terminated on or after November 1, 2019, you will be mailed more information regarding the COBRA subsidy, eligibility, and the self-attestation form. You can also find this information below. Please review this information closely to determine if you qualify to accept the COBRA subsidy. If you are unsure, please contact your previous employer for assistance on determining if you meet the criteria of an ‘involuntary’ termination. Please be advised, the EUTF is not informed of employment termination reasons and will not be able to assist with determining if a termination was ‘involuntary’.

Additionally, you are not eligible for the COBRA subsidy if you are eligible for another group health plan or Medicare, whether or not you are enrolled.

You have 60 days from notification to accept the COBRA subsidy by returning your self-attestation form.

You will remain eligible for COBRA coverage for the duration of your 18-month COBRA eligibility period. The ARP does not extend your COBRA eligibility period. You can continue COBRA enrollment beyond the end of the COBRA subsidy period, September 30, 2021, however, you will be responsible for the full cost of COBRA premiums.

Notices and Forms
  • EUTF ARP General and Election Notices (PDF)
  • ARP Summary and Election Form (PDF)
Frequently Asked Questions