Cal COBRA versus COBRA

ody Q: I have a client that had 19.5 employees last year because of their part time employees. Would they be COBRA or Cal COBRA??

A: COBRA is not an insurance company.

COBRA is a federal law that requires employers with 20 or more employees to offer the continuation of the same group health care coverage after you’ve voluntarily or involuntarily left your job, or have had your work hours reduced.

Since you mention CalCOBRA, it sounds like you are in California. If that is the case, then in Calfornia, the CalCOBRA law requires employers with group health plans that cover from 2 to 19 employees to offer COBRA Continuation for up to 36 months. If you aren’t in California, this does not apply to you, but check your state laws; many states have their own COBRA laws in addition to the federal COBRA law.

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