Benefits
COBRA Continuation of Coverage
Losing coverage doesn't always mean losing access to care.
Continuing Your Coverage (COBRA)
COBRA allows eligible employees and dependents to continue their existing CSU health coverage for a limited time following certain life or job changes. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employees—and their covered dependents—may be able to continue their medical, dental, vision, and Health Care Reimbursement Account (HCRA) coverage after a qualifying event like job loss or a reduction in hours.
COBRA gives you the option to maintain CSU health coverage for a limited time, even if you’re no longer eligible through active employment. If you choose to continue coverage, you’ll be responsible for paying the full premium plus a 2% administrative fee (102% of the group rate). The CSU does not contribute toward COBRA premiums.
COBRA applies only to group health benefits—including medical, dental, vision, and HCRA. Other benefits, such as life insurance or disability, are not included.
💰 View 2025 COBRA health plan rates
📄 Review COBRA Evidence of Coverage online
Who Qualifies for COBRA?
You and your dependents may be eligible for COBRA if you lose CSU health benefit eligibility due to one of the following qualifying events:
| Qualifying Event | Coverage Duration |
|---|---|
| End of employment (for reasons other than gross misconduct) | 18 months |
| Reduction in work hours | 18 months |
| Death of the employee | 36 months |
| Divorce or legal separation | 36 months |
| Loss of dependent child status | 36 months |
| Dissolution of registered domestic partnership | 36 months |
Have Questions or Ready to Enroll?
The HR Benefits team is here to help. To request a COBRA election form, confirm your
eligibility, or ask about plan details, contact us at:
Human Resources - Benefits Department
hr@mail.fresnostate.edu
559.278.2032