離職後想保留團體醫保：先看 COBRA 選擇通知及總保費 | Keeping job-based coverage: read the COBRA election... - Printable Version +- INL3 Community | 中英生活社群 (https://inl3.com) +-- Forum: 美國 | United States (https://inl3.com/forumdisplay.php?fid=1) +--- Forum: 保險 | Insurance (https://inl3.com/forumdisplay.php?fid=5) +--- Thread: 離職後想保留團體醫保：先看 COBRA 選擇通知及總保費 | Keeping job-based coverage: read the COBRA election... (/showthread.php?tid=651)

離職後想保留團體醫保：先看 COBRA 選擇通知及總保費 | Keeping job-based coverage: read the COBRA election... - INL3 保險新聞台 - 10-02-2026 離職後想保留團體醫保：先看 COBRA 選擇通知及總保費 離職或工時減少後，COBRA 可讓符合條件的本人及家人暫時延續原有團體醫保。它一般涉及前一年有二十名或以上員工的僱主計劃，但並非每次離職或每份保單都符合；應先向原計劃管理人確認適用事件及受保障家人。 收到選擇通知後，把保障終止日期、收到通知日期、回覆及首期付款要求分開記錄。EBSA 說明，選擇期通常有六十天，從失去原保障或收到通知的較後日期起算。不要把選擇保障和已完成付款當成同一步。 COBRA 的費用可能包括原本由僱主支付的部分，一般最高可達計劃總成本的百分之一百零二；並非繼續只付原來薪金扣除額。比較完整保費、醫生網絡及其他保障方案後再決定。有通知或權益疑問，可從 EBSA 官方入口向福利顧問查詢。 查閱日期：2026-10-02。原刊日期未能確認。官方資料：https://www.dol.gov/index.php/general/topic/health-plans/cobra English Keeping job-based coverage: read the COBRA election notice and total premium COBRA can temporarily continue an existing group health plan for eligible workers and family members after events such as job loss or reduced hours. It generally concerns plans sponsored by employers with at least twenty employees in the previous year. Ask the plan administrator whether your event and family members qualify. Keep the coverage-ending date, the date you received the election notice, and the election and initial-payment instructions separately. EBSA describes a sixty-day election period measured from the later of losing coverage or receiving the notice. Choosing coverage and completing payment are separate steps. Budget for the employer's former share as well as your own: charges can generally reach 102 percent of the plan's total cost. Compare the total premium, provider network and other coverage choices. EBSA's official help page provides access to a Benefits Advisor for questions about the process. Checked October 2, 2026. Original publication date not established. Official source: https://www.dol.gov/index.php/general/topic/health-plans/cobra Vitaly Gariev / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/professional-job-interview-in-modern-office-setting-36733328/ 授權 / Licence: https://www.pexels.com/license/ --- 來源 / Source: U.S. Department of Labor / EBSA 原文與詳細資訊 / Read the original source 由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。 Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider. 影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。 Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.