Disponible en inglés: I have COBRA and it’s too expensive. Can I drop it and enroll in a Maryland Health Connection plan instead?

Disponible en inglés: During the annual open enrollment period, you can sign up for a Maryland Health Connection plan (if you’re eligible) even if you already have COBRA. You will have to drop your COBRA coverage effective on the date your new Maryland Health Connection plan coverage begins to avoid a gap in coverage.

After open enrollment ends, however, if you voluntarily drop your COBRA coverage or stop paying premiums, you will not be eligible for a special enrollment period, unless you experience another qualifying life event, and you will have to wait until the next open enrollment period. Only exhaustion of your COBRA coverage triggers a special enrollment period.

The cost of your COBRA plan is not considered when determining your eligibility to enroll in a health plan through Maryland Health Connection. We only consider whether or not you are currently enrolled in COBRA, as long as you are otherwise eligible to enroll in a QHP because of your residency and citizenship or immigration status.