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Do Small Business Owners Qualify For COBRA?

We are a small business and were just dropped by Horizon Blue Cross Blue Shield of New Jersey. The reason is that we spend more than 50% of our time outside of the state. Can we qualify for COBRA coverage?

Unfortunately, you will are not eligible for COBRA because the federal law specifies that the insurance provided be a continuation of an employer’s group health policy. You will need to find new individual health coverage through a private marketplace or

Eligible Events For COBRA

These are the events that would qualify an employee for COBRA coverage.


 Qualifying Events For Employees

  • Voluntary or involuntary termination of employment (unless due to gross misconduct)
  • Your working hours have been reduced

Qualifying Events For Dependents

  • Death of employee
  • Divorce or legal separation
  • Loss of dependent status (turning age 26)
  • Employee is entitled to Medicare benefits

COBRA Eligibility

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.

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*Eligibility for short term medical insurance is based on age and state availability.

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