Can I Downgrade Insurance At Any Time

If your employer employs more than 20 full-time equivalents, then COBRA laws will most likely be applicable once you lose your insurance due to a reduction in hours. COBRA laws allow you to do precisely what you asked for in your post, which is to keep the exact same health insurance plan by paying the full premium. Normally you can keep it 18 months, but there are other provisions that allow you to keep it longer.

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