COBRA
Employees and their qualified family members who lose BMO health benefits may have the right to continue coverage at their own cost for a limited time.
Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that gives you and your dependents the right to continue health care coverage (medical, dental, vision, HCFSA, and LPFSA) through BMO at your own cost for up to three years. It applies after certain events that would otherwise cause you to lose health care coverage.
You and other qualified beneficiaries (domestic partners are not considered “qualified beneficiaries” under COBRA) have 60 days from the date you are notified of your COBRA rights to make an election to continue coverage through COBRA. If a COBRA election is not made during this 60-day period, COBRA continuation coverage will not be available. You do not have to provide evidence of insurability.
Coverage may be continued for up to 18 months if eligibility ends because of your termination of employment or reduced working hours. In other cases, coverage may be continued for up to 36 months.
COBRA Premiums
If you elect to continue your coverage under COBRA, you pay the full cost plus a 2% administration fee.
| 2026 HDHP Medical Monthly COBRA Premiums | ||||
| Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | |
| BCBSIL | $880.34 | $2,024.79 | $1,672.64 | $2,552.99 |
| Kaiser (Colorado) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| Kaiser (Oregon) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| Kaiser (N. California) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| Kaiser (S. California) | $801.38 | $1,763.04 | $1,418.45 | $2,420.17 |
| 2026 PPO Medical Monthly COBRA Premiums | ||||
| Employee Only | Employee + Spouse | Employee + Child(ren) | Employee + Family | |
| BCBSIL | $950.98 | $2,187.26 | $1,806.86 | $2,757.85 |
| Kaiser (Colorado) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| Kaiser (Oregon) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| Kaiser (N. California) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| Kaiser (S. California) | $1,001.85 | $2,204.04 | $1,773.28 | $3,025.60 |
| 2026 Dental Monthly COBRA Premiums | ||
|---|---|---|
| Coverage Level | Delta Dental Low Plan | Delta Dental High Plan |
| Employee Only | $36.91 | $47.43 |
| Employee + Spouse or Tax-Dependent Domestic Partner | $81.19 | $104.33 |
| Employee + Child(ren) | $84.88 | $109.08 |
| Employee + Family | $110.74 | $142.31 |
| 2026 Vision Monthly COBRA Premiums | ||
|---|---|---|
| Coverage Level | VSP Low Plan | VSP High Plan |
| Employee Only | $7.51 | $14.52 |
| Employee + Spouse | $14.99 | $26.44 |
| Employee + Child(ren) | $16.03 | $27.74 |
| Employee + Family | $25.62 | $42.84 |
Need assistance?
If you need help, log into the Inspira Financial website or call Inspira Financial at 1-888-678-7835 (Monday through Friday from 8 a.m. to 5 p.m. CT).
BMO’s employer ID is #139888.
Get the App
Download the Inspira Mobile™ app to make COBRA payments and view account information, including important dates.
