Mini-COBRA Law in Alabama

In Alabama, the mini-COBRA law provides an option for people to retain their employer-based health insurance if they lose it, under specific circumstances. This state law is akin to the federal COBRA law but applies to companies with a minimum of 20 employees.

Alabama Continuation Coverage Law

In Alabama, the mini-COBRA law, formally known as the “Alabama Continuation Coverage Law,” offers a safety net for those who lose their employer-based health insurance. This law is relevant to businesses that employ 20 or more people and is designed to mirror the federal COBRA law, which has similar stipulations.

If you lose your job or go through other life changes like a divorce or loss of dependent status, this law allows you and your dependents to maintain your health insurance for up to 18 months. However, there’s a key difference from the federal COBRA law: Alabama’s mini-COBRA doesn’t mandate that employers extend this coverage to part-time employees working less than 20 hours a week or those under a collective bargaining agreement.

Alternative Low Cost Medical Plans in Alabama

Continuing an employer plan in Alabama with Mini-COBRA is around $691/mo, per individual. If COBRA is unavailable or is outside of your budget, you do have affordable other options for health coverage. See below.

The cost of health insurance is determined by your age and state of residency.