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Federal COBRA applies to companies with 20 or more workers. The Maine insurance code has a limited continuation coverage requirement for workers who work for a company with fewer than 20 employees. This requirement is sometimes referred to as mini-COBRA. It provides one year of continuation coverage to qualified employees. So if your employer offered Health insurance coverage through a fully insured policy and you were laid off, you may qualify.

Important To Know About Maine’s Mini-COBRA Law

If the federal COBRA law doesn’t apply to the employee, the State’s Mini-COBRA law kicks in.

Eligibility applies for those who:

  • The employee must have had worked for 6 months
  • The employee was laid off permanently or temporary

Differently Than Federal COBRA

Unlike federal COBRA that allows continuation insurance to last for a period of 18 months, the Maine Mini-COBRA allows workers up to 36 months to remain on the employer-sponsored insurance.

source: https://www.mainelegislature.org/legis/bills/bills_125th/billpdfs/HP005301.pdf

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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