Covered California and ACA related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the ACA and Covered California knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Does employer contribute to COBRA?

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Question: Is an employer responsible for a portion of a terminated individual’s deductible in a group HDHP?

Answer: The employer is not responsible for any part of your COBRA premium, but you asked about the deductible which adds an interesting angle. If your employer was reimbursing some portion of your out-of-pocket medical expenses (below the annual deductible) while you were employed, it’s possible that there is a Health Reimbursement Arrangement (HRA) in place which would spell out whether former employees are to be covered by the HRA while on COBRA.

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