COBRA and Medicare

COBRA does not extend your Part B deadline

Your 8-month Special Enrollment Period for Part B starts when your job ends or your employer coverage ends, whichever comes first. COBRA coverage is not coverage based on current employment, so being on COBRA does not pause that clock.

If you already have Medicare

If you have Medicare when you become eligible for COBRA, Medicare generally pays first and COBRA second. Some people keep COBRA for dental or vision or for a spouse who is not yet on Medicare.

If you get Medicare while on COBRA

Your COBRA coverage usually ends when you become entitled to Medicare. Sign up for Part B on time to avoid a lifetime penalty and a gap in coverage.

Drug coverage

If your COBRA drug coverage is creditable, it can help you avoid the Part D late enrollment penalty.

Frequently asked questions

Does COBRA count as creditable coverage for Medicare Part B?

No. COBRA does not count as coverage from current employment, so it does not give you a Part B Special Enrollment Period.

Should I take COBRA or Medicare at 65?

If you are eligible for Medicare, sign up for Part B within 8 months after your job ends. COBRA alone can leave you with a Part B penalty.

Does Medicare or COBRA pay first?

If you have Medicare when COBRA starts, Medicare generally pays first.

Can COBRA drug coverage help with Part D?

Yes, if it is creditable drug coverage, it can help you avoid the Part D late enrollment penalty.

Talk with a licensed agent

Questions about your Medicare options? Call 1-844-438-6284 (TTY 711) or request a free, no-obligation quote. We do not offer every plan available in your area.

Sources for 2026 figures: CMS 2026 Medicare Parts A & B Premiums and Deductibles; Medicare.gov: Medicare costs; Medicare.gov: Part D costs. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).