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    Loss of Employer COBRA Premium Subsidy

    You may qualify for a special enrollment period (SEP) to enroll in health insurance through MNsure if your employer stops subsidizing your COBRA premium and you must now pay the full cost of the premium.

    Qualifications

    You may qualify for this SEP if:

    • You and your dependents are Minnesota residents and enrolled in COBRA coverage, and
    • Your COBRA premiums were subsidized by your employer or through the American Rescue Plan and these subsidies ended, and you must now pay the full cost of the premium.

    Key Dates

    • 60-day SEP begins: You can apply for this SEP 60 days before or after the last day in the COBRA coverage period in which the COBRA premium was subsidized by your employer.
    • When you can enroll: Any time during the 60-day window of your SEP once your qualifying life event is verified. You can apply for this SEP during the 60 days prior to the last day of the COBRA coverage period in which the COBRA premium was subsidized by your employer to avoid a gap in health care coverage.
      New customers: You can create an account and apply at any time, even before your SEP window starts.
    • When your coverage starts: The first day of the month following the date you select your plan, but not before the last day of your COBRA coverage period in which the COBRA premium was subsidized by your employer.

    Verification Documents

    Be prepared to send a copy of at least one of the documents below:

    • Employer plan notice that shows your name and the last day of the COBRA coverage period in which the COBRA premium is subsidized by your employer.
    • Letter from employer that shows your name and the last day of the COBRA coverage period in which the COBRA premium is subsidized by your employer.
    • Document from third-party COBRA administrator that shows your name and the last day of the COBRA coverage period in which the COBRA premium is subsidized by your employer.

    How and when do I send documents?

    During the SEP application process you'll be instructed on how to send verifying documents. MNsure must receive your documents and have enough time to process them for you to have time to select a plan before your 60-day SEP window expires. 

    Apply for this SEP

    Follow these steps to apply for this SEP.

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