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  2. Eligibility For COBRA
  3. Who Is Not Eligible For COBRA?

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

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COBRA Eligibility

Employers With 19 Or Fewer Employees Do Not Have To Offer 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.

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COBRA Third-Party Administration

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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