COBRA Health Insurance in Mississippi

In Mississippi, individuals who lose their group health insurance due to a qualifying event—such as job loss or reduced hours—may be eligible for continuation coverage under federal COBRA. For those not covered by federal COBRA, Mississippi also offers a state continuation program, often referred to as Mini-COBRA, which provides similar protection for employees of smaller businesses and their dependents.

Mississippi Mini-COBRA Law

Mississippi offers a state-level continuation of health insurance coverage for employees of small businesses not covered by federal COBRA. Under Mississippi law, employees who lose their group health coverage due to termination or reduction in hours may be eligible to continue their coverage for up to 12 months.

• Employer Size: Applies to businesses with fewer than 20 employees.
• Eligibility: Employees must have been continuously covered under the group health plan for at least three months prior to the qualifying event.
• Coverage Duration: Continuation coverage is available for up to 12 months.
• Premium Payment: The individual is responsible for paying the full premium amount.
• Qualifying Events: Includes termination of employment or reduction in work hours, excluding cases of gross misconduct.

Alternative Low Cost Medical Plans in Mississippi

Continuing an employer plan in Mississippi with Mini-COBRA is around $756/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.