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COBRA after divorce doesn't stop Medicare's 8-month Part B enrollment clock, risking penalties.

Others
02 Sep 2026
247 Wallst
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Neutral
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A 68-year-old woman who divorced and took COBRA coverage after losing her husband's employer health plan discovered that Medicare's eight-month Special Enrollment Period (SEP) for Part B still runs from the date her coverage ended, not from the COBRA start. While COBRA can extend her insurance card and doctors, it does not pause Medicare's enrollment clock, meaning she must enroll in Part B within eight months to avoid lifelong late-enrollment penalties. Missing this window leads to higher premiums and delayed coverage, even if COBRA continues for up to 36 months. Prescription drug coverage under COBRA may affect Medicare Part D penalties differently, so verifying creditable coverage is crucial. The key advice is to apply for Medicare Part B promptly after losing active employer coverage, not waiting until COBRA ends, to avoid costly penalties and coverage gaps.

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