Q:  I have met my deductible and out of pocket maxims for the year. Will this start over, and have to be paid again under COBRA?

A:  Generally, COBRA is a continuation of the same group health insurance that you had the day before the qualifying event. You should have the same deductibles as a similarly situated active employee. All of your accumulated amounts towards your deductible and other out of pocket expenses should continue as though the qualifying event had not occurred.