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  4. Am I Eligible For COBRA If The Business Has Under 20 Employees?

Am I Eligible For COBRA If The Business Has Under 20 Employees?

An employer only has 8-9 employees, so they are not subject to COBRA continuation requirements?

No. The COBRA Law Is Meant For Employers With 20 Or More Employees

If the business has less than 20 employees they are not subject to the federal COBRA law and are not required to offer continuation of workplace health insurance. However, many states have Mini-COBRA laws that enforce employer continuation of insurance where the business has 19 or fewer employees. Depending on the state you live in, the deadlines and length of time you have for continuing insurance may be different than federal COBRA.

Employer Responsibilities

When an employee loses their group health insurance, the COBRA law compels the employer to allow that worker to stay on their health plan. The employer is responsible for notifying the employee of their right to choose COBRA and collecting the full premium payment from the former employee. Sometimes, workplaces will use a third party administrator to facilitate the COBRA enrollments and payments. If you are unsure who the administrator is, you will want to contact the HR department of the business the health insurance is through.

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