Retirees with COBRA (CPS former employer) Health Insurance Coverage

2020 Open Enrollment for COBRA enrollees

Recent retirees who may have insurance coverage through their former employer's COBRA program should be aware of the opportunity to enroll in a CTPF plan during Open Enrollment. If COBRA coverage will expire in January, now is the time to enroll in a new plan.  

Transferring insurance from COBRA to a CTPF health insurance plan is not automatic – COBRA enrollees must actively enroll in a new plan to ensure coverage. CTPF requires that you provide an insurance application no later than 30 days after the date your COBRA expires. If CTPF does not receive an application within this time frame, the next time to enroll will be during an Open Enrollment period.  

While you have 30 days after coverage ends to enroll, CTPF recommends that applications be submitted at least one month prior to your COBRA continuation coverage expiring. This ensures a smooth transition to a new plan. If your COBRA coverage expires in January 2021, this Fall's Open Enrollment period is the best time to enroll in coverage for next year.  

2021 Premium Subsidy Increase 

The Board of Trustees voted to increase the subsidy to 60% for the 2021 plan year. The subsidy is set annually and had been at 50% since 2015. 

CTPF offers many resources for Open Enrollment, and I've included links to our Handbook and enrollment materials below. If you need additional assistance or have questions about your health insurance, please do not hesitate to contact Member Services, 312.641.4464 (leave a message and your call will be returned) or email  

Open Enrollment Resources 

CTPF offers members a variety of resources to help you make informed choices about your 2021 Health Insurance. Visit for more information. 

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