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.