Continuing Employer Health Insurance in Delaware

In Delaware, two types of COBRA insurance are offered: federal COBRA continuation coverage and state continuation coverage. Federal COBRA covers employees who have lost their jobs, while state continuation coverage provides a similar benefit for employees who have left a company with 2-19 employees.

Delaware’s Mini-COBRA Law

Delaware’s Mini-COBRA law provides continuation health coverage for employees who leave a company with 2 to 19 employees. Under this law, the former employer is required to offer COBRA-like coverage to eligible individuals who would otherwise lose their group health insurance after separation from employment.

While similar to federal COBRA, Delaware’s Mini-COBRA differs in that the employer is responsible for covering the full cost of the premium, rather than sharing the cost with the employee as is typical under federal COBRA provisions.

The purpose of the Mini-COBRA law is to help ensure that individuals working for small businesses have access to continued health insurance coverage, even after employment ends, and to support small employers in offering meaningful health benefits.

The maximum duration of Mini-COBRA coverage in Delaware is 9 months.

Alternative Low Cost Medical Plans in Delaware

Continuing an employer plan in Delaware with Mini-COBRA is around $759/mo, per individual. If COBRA is unavailable or is outside of your budget, you do have affordable other options for health coverage. See below:

The cost of health insurance is determined by your age and state of residency.