Where do you use a comma in the phrase keep in mind that if you elect to continue health coverage you will be required to adhere to strict rules.?

It all depends what you want the sentence to mean. Both the sentences below are possibilities.

Keep in mind that if you elect, to continue health coverage you will be required to adhere to strict rules.

Keep in mind that if you elect to continue health coverage, you will be required to adhere to strict rules.