Is there a premium grace period for COBRA payments?

• A. No grace period
• B. Yes, typically 7 days
• C. Yes, typically 30 days after due date
• D. Yes, typically 90 days

Answer: (C)

The main idea here is how COBRA premium payments are treated if they’re late. Under COBRA, there’s a built-in grace period after the due date that lets you pay without losing coverage. The typical length of that grace period is 30 days after the premium is due. So if your premium is due on the first, you have through the end of the 30th to pay, and your coverage stays active. If you pay within that window, you keep the continuation coverage; if the payment isn’t made by the end of the grace period, the plan can terminate the coverage for nonpayment, though some plans may allow reinstatement if you promptly pay what’s owed and meet their rules. Since plans can vary, it’s always a good idea to check your specific COBRA notice or contact the plan administrator for the exact grace period you’re under.