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Retiree COBRA

Health & Wellness

COBRA Insurance and Marketplace Coverage Options

The Consolidated Omnibus Budget Reconciliation Act, or COBRA, is a federal law that permits eligible employees and their dependents, whose medical, dental and vision insurance would otherwise terminate (example: retirement) to continue coverage.

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  Why would I need COBRA?

If you are a Milwaukee County retiree who was hired after Jan. 1, 1994 (may vary based on union), and are not eligible for county-paid health insurance, you may wish to enroll in COBRA to continue your health insurance coverage.

  How long may I elect to have COBRA health insurance coverage?

With COBRA, you may elect to continue single or family coverage through Milwaukee County for a maximum of 18 months.

  Can my dependents be covered by COBRA?

Yes, if you are a retiree with county health coverage, your covered dependents may continue through COBRA for a maximum of 36 months if coverage is terminated:

  • Due to the death of the retiree; or
  • Due to divorce or legal separation of the dependent from the retiree; or
  • With respect to a dependent child, the child is no longer eligible as a dependent under Milwaukee County eligibility rules.
  Can I continue my dental and vision insurance when I retire?

Yes, you are eligible to enroll in the same dental and vision coverage for up to 18 months through COBRA.

  How much does COBRA cost?
  How do I enroll in COBRA benefits?

Upon your retirement and shortly before your active benefits coverages ends, you will be mailed a COBRA enrollment packet. This packet includes detailed payment information and an enrollment form.

  If I elect COBRA benefits, what is the process for paying the monthly premium?

All COBRA premium payments are paid directly to Employee Benefit Corporation, as explained in the COBRA enrollment packet, which you will receive in the mail. 

New Health Insurance Marketplace Coverage Options

When key parts of the health care law took effect in 2014, there was a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the Marketplace and employment­-based health coverage offered by your employer.

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  What is the Health Insurance Marketplace?

The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options. You may also be eligible for a tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in November each year for coverage starting as early as the immediately following January 1.

  Does employer health coverage affect eligibility for premium savings through the Marketplace?

Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer's health plan. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.5% of your household income for the year, or if the coverage your employer provides does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit.

Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution, as well as your employee contribution to employer-offered coverage, is often excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.

  How can I get more information?

For more information about your coverage offered by your employer, check your summary plan description for Milwaukee County or contact benefits at 414-278-4198.

The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Visit for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.

  If I apply through the Marketplace, what information will I need regarding my employer?

Total Rewards Contact Information


Milwaukee County Courthouse

901 North 9th Street Room 210

Milwaukee, WI 53233



Phone Number  (414) 278-4198

Fax Number   (414) 223-1379

[email protected]


Milwaukee County Courthouse
901 N. 9th St. Room 210
Milwaukee, WI 53233
(414) 278-4143 (Main Phone)
(877) 652-6377 (Main Toll Free)
(414) 223-1379 (Fax)

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