Understanding COBRA Insurance in Georgia

Residents of Georgia who work for small employers with fewer than 20 employees may qualify for continued health coverage under the Georgia State Continuation law—often referred to as Mini-COBRA. This law provides up to 90 days of coverage for eligible individuals who lose their job and had their health insurance premium paid for the month of termination.

Georgia’s Mini-COBRA Law

Georgia’s State Continuation law provides short-term health coverage for employees of small businesses with 19 or fewer employees. If you lose your job and your health insurance premium was paid in advance for the month of termination, you are legally entitled to continue coverage through the end of that month.

Unlike federal COBRA, Georgia’s law does not allow insurers to charge the standard 2% administrative fee, making it a more cost-effective option during the transition period.

Although Georgia’s Mini-COBRA law offers only a brief continuation period—up to one month—it can help bridge the gap between employer-based insurance and a new health plan.

Alternative Low Cost Medical Plans in Georgia

Continuing an employer plan in Georgia with Mini-COBRA is around $729/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.