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Do I have to offer COBRA
coverage after the
Affordable Care Act is
implemented?
Employers must still
offer COBRA
coverage
Why would someone elect
COBRA?
The Health Insurance
Marketplaces will be available
after January 1, 2014. . .
Timing
Length of Enrollment
Process
May leave a gap in
coverage
Benefits
Dental
EAP
Medical FSA
Vision
HRA
Deductibles &
Co-Pays
Employer Plan vs.
Health Insurance
Marketplace
Health
Insurance
M
arketplace
Employer Health
Plan
Premium Tax Credit
No Premium Tax Credit
Price
Will my doctor or hospital
accept a new insurance plan?
Familiar with Employer
Health Plan
Unsure about Health Insurance
Marketplace Plans
All COBRA Notices and Regulations still apply
after January 1, 2014 ACA Enrollments
Do employers need to
change anything?
Modify COBRA Election Notice to include
ACA Model Language
Certificate of Creditable Coverage no
longer required after 12/31/2014
Coordination with Health Insurance
Marketplace
Additional Reporting Requirements
Communicate...Communicate...Communicate!
To Avoid Possible Misunderstandings

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Cobra and the Affordable Care Act