Question: Can I Use COBRA As A Dependent Even If The Covered Employee Does Not Elect It?
Answer: Yes. Each qualified COBRA beneficiary has an independent right to elect coverage. Thus, if you are currently covered as a dependent on someone else's job-based health plan, you are eligible for COBRA and can elect coverage regardless of what the covered employee does. Parents can elect COBRA on behalf of their children.
Want to know more about how to elect COBRA continuation coverage? Read my article on electing COBRA.
