American Rescue Plan Act of 2021’s COBRA Subsidy Ends September 31. What’s next?

Who Is Not Eligible For COBRA?

Who is not eligible for COBRA?

Any Person Who Was Eligible For The Group Health Plan And Declined Coverage Is Not Eligible For COBRA

Workers who formerly waive their right to COBRA insurance any non-resident aliens who do not earn wages on U.S. income. Most employers that do offer group health plans are required to comply with the Federal COBRA Act. Employers with 20 or more employees must offer insurance continuation

Employers Who Do Not Have To Offer COBRA

  • Government employers (they must comply with a similar law)
  • Churches or church controlled employers
  • Small business with less than 20 employees

Employers With 19 Or Fewer Employees Are Not Eligible For Federal COBRA

The Federal COBRA Act exempts small businesses with 19 or fewer employees. In response, many states have passed Mini-COBRA laws. These laws are designed to cover all workers in their state. Depending on the state you live in, the notice of continuation of employer-sponsored insurance may be different than regular COBRA. You may also have a shorter time period it is available to you.

 

If You Are Not Eligible

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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