What States Have COBRA Insurance?

Which of the 50 states are covered with the COBRA insurance? And how difficult is it to find a doctor willing to take COBRA?

COBRA is a federal law, not an insurance company. As it is a federal law, COBRA applies to all United States citizens in each of the 50 states. The law specifies that workers and their families are allowed to keep their workplace health insurance if that insurance would stop do to job loss or familial events, such as divorce, death or loss of dependent status.

State Healthcare Continuation Laws

COBRA applies to businesses with 20 or more employees. Several states have Mini-COBRA laws that allows workers of small businesses to keep their health insurance if it would end due to job loss.

COBRA Is The Same Health Insurance You Had

The health plan on COBRA is an extension the same insurance coverage that you had with the past employer. If you are looking for specific doctor or provider questions you may simply call your insurance company and they will be able to help you.

Or, Save Money With Short-Term Medical 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.

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Short-Term Health Insurance is popular and available in most states to cover gaps between major medical plans.

These plans also cover COVID-19 hospitalization.
After deductibles and coinsurance, many plans will have $1 million in coverage.

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