COBRA Coverage

If you experience a qualifying life event (resulting in loss of coverage), Frederick County Public Schools will provide you with continuing health care coverage as required by COBRA. This coverage becomes effective the 1st of the month following the date of the qualifying event and can be cancelled at any time. Qualified individuals are responsible for the entire premium for coverage up to 102% of the cost to the plan.

Monthly COBRA Rates FY 2023

COBRA Monthly Premium
Employee Only $784.48
+ 1 Dependent $1,710.17
Family $1,804.32
Dental Standard  
Employee Only $29.40
+ 1 Dependent $91.15
Family $100.86
Dental Buy Up  
Employee Only $40.43
+ 1 Dependent $125.38
Family $138.70

Qualifying Events

There are various qualifying events that initiate COBRA eligibility. The length of continuation coverage is determined by the type of qualifying event. A COBRA enrollment letter will be sent to any individual who experiences a qualifying event. If an employee is not actively enrolled in benefits at the time of the event they are not eligible for continuation coverage. FCPS offers COBRA coverage to any employee or dependent who experiences any of the following qualifying life events:

  • A covered employee’s death,
  • A covered employee’s job loss or reduction in hours for reasons other than gross misconduct,
  • A covered employee becoming entitled to Medicare,
  • A covered employee’s divorce or legal separation, and
  • A child’s loss of dependent status (and therefore coverage) under the plan.

For additional information about COBRA rules and guidelines, please visit

Alternate Forms of Coverage

Instead of enrolling in COBRA continuation coverage, there may be other more affordable coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan) through what is called a “special enrollment period”. Some of these options may cost less than COBRA continuation coverage.

You should compare your other coverage options with COBRA continuation coverage and choose the coverage that is best for you. For example, if you move to other coverage you may pay more out of pocket than you would under COBRA because the new coverage may impose a deductible. Please visit www.Healthcare.Gov for more information on group marketplace plans through your resident state.

See also Required Notices: COBRA