Continuation of insurance coverage with the federal COBRA act requires businesses with 20 or more employees to offer a continuation of group health benefits after job separation. You are entitled to this benefit if you quit your job, were fired, laid off or had your insurance stop due to work hours being reduced. The federal COBRA law applies to private businesses.
Ohio Has Mini-COBRA
The state of Ohio’s Title 39 insurance code goes a step further than the federal COBRA act. The law requires employers with less than 20 workers to offer continuing health coverage. Additionally, the law also applies to church and government employees.
The Ohio Department of Insurance can help answer more questions by visiting their website.
COBRA is Expensive
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.