COBRA Insurance
National Covid-19 Pandemic: Changes In Deadlines, Federal Subsidy
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Workers who have a special qualifying event for COBRA, like retirement, job loss or changes in the immediate family, the federal COBRA law allows employees enrolled in a group health plan the option of keeping it. The employer requirement under federal COBRA is they must employ 20 or more workers during 50% of business hours. A worker must have been on the employer-sponsored health insurance for at least one day before they become eligible.

State Continuation Coverage Under Kentucky Law or Mini-COBRA

When the federal COBRA law doesn’t apply, Kentucky’s State Continuation of Coverage legislation (mini-COBRA) protects Kentuckian employees that work for businesses with 19 or fewer employees. Employees and their dependents who were insured under a group policy will need to meet these conditions to qualify under the Kentucky Law.

  • The group insurance policy was covering the employee and their qualified dependents for at least three months
  • You must respond to the election notice within 31 days after you receive it.


COBRA Continuation Is Expensive

There are alternatives to COBRA continuation available. Get an affordable insurance quote or call us at 877-262-7241 and we can help you find an ACA certified health plan.

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