What self-payment options are available when my child is no longer eligible for dependent coverage?
COBRA continuation is available for up to 36 months. As an alternative, you may want to consider applying for private insurance because it may be more affordable than COBRA coverage, and because private insurance may become unaffordable should you later become sick. The COBRA rates are not adjusted for age or family size and are based on the actual composite premiums that are paid to the various carriers on behalf of plan participants. Both Kaiser and Blue Shield HMO, as insured programs, offer conversion plans as well.
