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Pennsylvania’s Mini-COBRA is similar to the federal COBRA law, but with some important differences. The federal COBRA law allows employees at larger businesses (20 or more employees) to purchase continuation health coverage after they leave employment for 18 months (or, in some cases, 36 months) after their employment ends. Pennsylvania’s Mini-COBRA applies to employees of smaller businesses (2-19 employees), though it only allows for 9 months of coverage.

Cost Of Keeping COBRA Insurance

Often times Pennsylvanians find the COBRA premiums to be very expensive. When you continue on your former employer’s group health insurance plan, you pay the entire premium. When you were working, your employer subsidized part of that premium. Moving forward, you’ll pay the full amount and often times a 2% administrative fee depending on the plan administrator.

Affordable Private 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.

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