How COBRA Insurance Works In Iowa
Iowa recognizes both the federal COBRA law and its own state-level continuation coverage option for small employers, often referred to as Mini-COBRA. The federal COBRA law applies to employers with 20 or more employees and requires them to offer continued group health coverage to eligible employees and their dependents following a qualifying event such as termination of employment or reduction in work hours.
Iowa’s Mini-COBRA law provides a similar continuation of coverage for individuals who are not eligible for federal COBRA, typically because their former employer had between 2 and 19 employees. The coverage mirrors the group plan but is paid entirely by the individual and is available for a limited time.
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COBRA Eligibility
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COBRA Alternative:
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Continuing Health Insurance Coverage In Iowa
Please choose:
No Pre-Existing Conditions
Term Medical Gap Coverage
Available in some states, as low as $44/month
Coverage For
Pre-Existing Conditions
$400 – 700/month per individual
Medicare
Nearing Retirement Age
Learn about Medicare Advantage
Iowa’s Continuation of Group Health Insurance Coverage Law
Iowa’s Mini-COBRA law provides continuation of group health insurance coverage for employees of small businesses (2 to 19 employees) who experience a qualifying event, such as termination of employment or reduction in work hours. To be eligible, the employee must have been continuously insured under the group policy for the three months immediately preceding the termination.
Eligible individuals must request continuation in writing within 10 days following the later of the date of termination or the date they receive notice of their continuation rights. The election of continuation coverage, along with the first premium payment, must be submitted within 31 days after the group insurance would otherwise terminate.
Coverage under Iowa’s Mini-COBRA can continue for up to nine months, unless the individual becomes eligible for Medicare or other group health coverage, fails to make timely premium payments, or other specified termination conditions occur.
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Health Insurance For Pre-Existing Conditions In Iowa
Maintaining your workplace insurance coverage is a wise choice if you frequently see a doctor or use prescription drugs. This way, there will be no interruption to your current health plan and your deductibles will not reset, as the plan will simply continue from its previous state.
Apply For COBRA In Iowa
Employer Has 20+ Employees
You may continue your most recent work health insurance for up to 18 months as an employee. Family members may access the plan for up to 36 months.
You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average major medical plan premium in Iowa was $451/month in 2021, according to howmuch.net.
Accident-Only Insurance To Cover An Insurance GAP in Iowa
The state of Iowa allows you to bridge your insurance gap by obtaining an accident-only major medical insurance plan.
Accident Only Insurance with Telehealth
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage
Plans start at $44/month.
Based on age and state availability
Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.
Includes Telehealth – Access to prescribing doctors for common issues
Limited Indemnity with Telehealth
Includes Telehealth giving you access to prescribing doctors for common issues.
Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available in All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.
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Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
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