Under COBRA, what responsibility does the former employee have regarding premiums?

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a former employee who elects to continue their health insurance coverage after leaving a job is responsible for paying the entire premium amount. This includes both their previous share of the premium and the portion that was previously covered by the employer. Normally, under COBRA, the continuation coverage can last for a limited time (usually up to 18 months, with some specific circumstances extending it to 36 months), but the cost becomes the full premium rate, which can sometimes be quite significant.

This requirement ensures that individuals who choose to maintain their health insurance coverage under COBRA have the means to do so without placing additional financial burden on the employer. It is essential for former employees to understand this financial responsibility when making decisions about their health insurance after employment ends.