In the United States, workers and their families that have employer-sponsored group health insurance have the right to continue that insurance if it were to stop due to job loss or a change in the immediate family. This right is protected by the Federal COBRA Act that requires businesses with 20 or more employees to offer those benefits when they end.
Michigan Has Mini-COBRA
The federal COBRA law requires Michigan companies who employee 20 or more workers to offer a continuation of their group health plan benefits if that insurance would end due to voluntarily quitting your job, getting fired or laid off, retire before eligible for Medicare and if there are changes in the immediate family. Michiganders will be notified within 45 days of their employer-sponsored health insurance ending and will need to elect coverage (within 60 days) or formerly waive their right.
Michigan’s Non-Profit Health Care Corporation Reform Act
Unfortunately, Michigan does not have a Mini-COBRA Law that applies to companies with 19 or fewer employees. Though, the Non-Profit Health Care Corporation Reform Act does allow workers the option of converting their group health plan, to an individual self pay marketplace plan.
source: Michigan Statute
Affordable Temporary Health Insurance
If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most States. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor. Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.