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In Arizona, workers have the choice to continue their workplace insurance with either federal COBRA or the State’s Mini-COBRA law, depending on their situation. Both options have similar requirements. Like federal COBRA, the Arizona Mini COBRA law (A.R.S. § 20-2330), employees have 60 days, from the date of the election notice to choose COBRA or formerly waive their right. Both laws also make clear that the enrollee has 45 days to make the premium payment. The qualifying events for COBRA are the same for both.

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Arizona’s Mini-COBRA Law

Differently than the Federal COBRA Act, the Arizona Mini COBRA law is extended to workers who’s former employers have 19 or fewer employees. Companies have 30 days to to notify workers about their continuation insurance. COBRA Plan Administrators may charge an additional 5% fee on all premiums, where regular COBRA has a 2% limit.

COBRA Continuation Is Expensive

There are alternatives to COBRA continuation available. Get an affordable insurance quote or call us at 877-262-7241 and we can help you find an ACA certified health plan.

Affordable Temporary Health Insurance

If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most States. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.

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