Q: Which of the 50 states are covered with the cobra insurance? And how difficult is it to find a doctor willing to take cobra??? A: COBRA is not an insurance company, it is the name of a Federal law. COBRA is a federal law (meaning any United States citizen in every State ), that allows a person to continue on their employers group health plan. COBRA is an extension of the same insurance coverage that you had with the past employer. If you are looking for specific coverage and provider questions you can simply call your insurance company and they will be able to help you.