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The AFM has a proud history of managing change rather than being victimized by it. We find strength in adversity, and when the going gets tough, we get creative - all on your behalf.

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Home » Recent News » American Rescue Plan Includes COBRA Benefits

American Rescue Plan Includes COBRA Benefits


The American Rescue Plan includes a provision that grants a 100% subsidy for six months of health care premiums for 
COBRA-eligible people who lose their jobs or eligibility for employer coverage for the period from April 1 to September 30, 2021. Under the law, those employees will not have to pay any premiums for six months. The employer or health plan can claim a refundable tax credit against their Medicare payroll tax liability for the cost of the premiums.  

Employees who were laid off or lost insurance coverage as far back as March 1, 2020, are eligible to elect COBRA retroactively, but the free coverage is applicable only from April 1, 2021 to September 30, 2021. Employees who did not elect COBRA are not required to pay for retroactive coverage for the time since they lost coverage.

To be eligible for COBRA coverage, employees must have worked for an employer with more than 20 employees and been enrolled in their employer’s health plan during their employment. The health plan must continue to be in effect for active employees. 

The AFL-CIO’s, “20 Ways the American Rescue Plan Helps Working People” outlines other provisions of the law that benefit workers.

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