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Hospital, Healthcare And Medicine

COBRA

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) may allow you and/or your dependents to continue medical, dental, vision, Lyra Mental Health and Well-Being Resources (Lyra) and Health Care Flexible Spending Account (HCFSA) coverage if that coverage is lost due to a “qualifying event,” (for example, you leave the company, you and your spouse divorce or your child reaches the plan's upper age limit). You pay the full cost for COBRA coverage.

Health & Well-Being Tools

The links below will help with reviewing your options:

Employee COBRA Premiums

See the monthly premiums below (effective January 1, 2026 to December 31, 2026) to compare plan pricing:

Plan Employee Only Employee + Spouse /
Domestic Partner		 Employee + Child(ren) Employee + Family
HDHP Option without HSA $635.30 $1,378.34 $1,378.34 $1,905.81
PPO Option $1,018.86 $2,210.53 $2,210.53 $3,056.56
Kaiser HMO California $930.54 $1,963.43 $1,963.43 $2,717.17
Kaiser HMO Washington $1,024.22 $2,161.11 $2,161.11 $2,990.73
Dental Option $45.90 $92.93 $102.77 $148.69
Basic Vision Option $0.82 $1.47 $1.46 $2.33
Comprehensive Vision Option $11.63 $21.14 $21.05 $33.66
Lyra $5.12 $5.12 $5.12 $5.12

Get Coverage Details

For more information on benefits coverage that you and/or your dependents may elect under COBRA, see Medical Benefit Options (includes prescription drug and mental health benefits information), Dental Option, Vision Option, Flexible Spending Plan, and Lyra.

US Expatriate COBRA Premiums

See the monthly premiums below (effective January 1, 2026 to December 31, 2026) to compare plan pricing:

Cost Employee Only Employee + Spouse /
Domestic Partner		 Employee + Child(ren) Employee + Family
Employee Cost $842.35 $2,008.15 $1,646.07 $2,784.62

Inpatriate COBRA Premiums

See the monthly premiums below (effective January 1, 2026 to December 31, 2026) to compare plan pricing:

Cost Employee Only Employee + Spouse /
Domestic Partner		 Employee + Child(ren) Employee + Family
Employee Cost $1,234.71 $2,954.65 $2,403.27 $4,072.36

NCNR COBRA Premiums

See the monthly premiums below (effective January 1, 2026 to December 31, 2026) to compare plan pricing:

Cost Employee Only Employee + Spouse /
Domestic Partner		 Employee + Child(ren) Employee + Family
Employee Cost $1,234.71 $2,954.65 $2,403.27 $4,072.36

Electing COBRA Coverage

If you or your dependent become eligible for COBRA coverage:

  1. Notify the Phillips 66 Benefits Center within 65 days of the qualifying event (the company takes care of this notification if your employment ends) — the COBRA Administrator will send an enrollment packet summarizing your options and costs.
  2. Enroll within 65 days of the qualifying event or the date of the COBRA enrollment notice, if later. You can submit elections:

If you miss either of these deadlines, you can't elect COBRA coverage.

Plan Documentation

For COBRA details, see “COBRA continuation coverage” in the Other Information chapter of the Health and Well-Being Handbook located on the Summary Plan Descriptions page.