COBRA Insurance
National Covid-19 Pandemic: Changes In Deadlines, Federal Subsidy

How Individual States Handle COBRA Insurance

The United States COBRA Act ensures that workers in the United States have the right to continue their health insurance coverage if their group medical plan would end due to loss of employment or reduction in hours. This law requires private businesses to notify former employees within 45 days of their right to elect or waive COBRA coverage. When continuing coverage is elected, the insurance is restarted and retroactive to the date it had ended. Workers may keep this insurance up to 18 months and in some circumstances up to 36 months.

The law was designed for companies with 20 or more workers. Exempt businesses from COBRA are some government employers, churches and other non-profits. This becomes a challenge in some states for folks losing insurance when they work for a small company. In response, many states have created Mini-COBRA Laws to cover more workers.

State Health Care Continuation Laws

If you had a qualifying event, such as quitting your job, were involuntarily terminated or had hours reduced, you have the legal right to continue your health insurance coverage you had when you were employed. Some states have Mini-Cobra laws that cover more workplace situations, such as companys that employ 19 or fewer workers. Here is a list of employee insurance laws per State.


List Of State’s Insurance Laws

flag of the unites states of america

States With Mini-COBRA Laws

The Consolidated Omnibus Budget Reconciliation Act of 1985 is written to allow worker continuing insurance coverage if their employer has 20 or more employees. When it favors qualified beneficiaries, State laws supersede the federal measure. The States that go further than the federal continuation of coverage measure are often  referred to as having mini-COBRA laws. Depending on which State you live in, you may be eligible to hold your COBRA insurance longer than 18 months. Some states require insurance continuation when an employer has fewer than twenty employees.


List Of States With Mini-COBRA Laws

  1. Arizona
  2. Arkansas
  3. California
  4. Colorado
  5. Connecticut
  6. District of Columbia
  7. Florida
  8. Georgia
  9. Illinois
  10. Iowa
  11. Kansas
  12. Kentucky
  13. Louisiana
  14. Maine
  15. Maryland
  16. Massachusetts
  17. Minnesota
  18. Mississippi
  19. Missouri
  20. Nebraska
  21. Nevada
  22. New Hampshire
  23. New Jersey
  24. New Mexico
  25. New York
  26. North Carolina
  27. North Dakota
  28. Ohio
  29. Oklahoma
  30. Oregon
  31. Rhode Island
  32. South Carolina
  33. South Dakota
  34. Tennessee
  35. Texas
  36. Utah
  37. Vermont
  38. Virginia
  39. West Virginia
  40. Wisconsin
  41. Wyoming
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Alternatives To COBRA

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The COBRA Insurance website helps workers with their insurance options while in-between jobs. If you need further assistance, please speak with our Licensed Insurance Experts.

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