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How does COBRA insurance work in Arizona?

Compared to the federal COBRA law, Arizona’s Mini COBRA law applies to employers with 19 or fewer employees and provides continuation coverage for up to 18 months, while the federal law applies to employers with 20 or more employees and provides continuation coverage for up to 18 or 36 months.

COBRA Eligibility

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Continuing Health Insurance Coverage In Arizona

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

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Arizona’s Mini-COBRA Law

Arizona’s Mini-COBRA law, A.R.S. § 20-2330, provides continuation of health insurance coverage for employees and their dependents in small employers with 19 or fewer employees, whereas federal COBRA law only applies to employers with 20 or more workers. This means that individuals who have lost their job in a smaller employer in Arizona are still able to continue their health insurance coverage, which may be essential for their health and financial stability.

Under Arizona’s Mini-COBRA law, eligible individuals may be able to continue their health insurance coverage for up to 18 months, which is comparable to the duration of federal COBRA. Although the premiums paid by the employee under the Arizona Mini-COBRA law can be higher than under the federal COBRA law, the option to continue coverage can be a valuable safety net for individuals who may not be covered under the federal law due to the size of their employer. This can be especially important for those with pre-existing medical conditions or ongoing medical needs, as losing health insurance coverage can lead to significant medical expenses and limited access to necessary medical care. Overall, Arizona’s Mini-COBRA law provides an important benefit for individuals who are employed by smaller employers and may not have access to the federal COBRA continuation coverage.

Source: Arizona mini-COBRA law, A.R.S. § 20-2330

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Health Insurance For Pre-Existing Conditions In Arizona

The Affordable Care Act or Marketplace health insurance can often be a more cost-effective option for individuals in Arizona who have lost their employer-provided health insurance coverage, as it offers a range of health insurance options with varying levels of benefits and costs.

Marketplace plans under the ACA are often less expensive than COBRA continuation coverage because they are designed to be affordable for people with lower incomes. Additionally, individuals who meet certain income requirements may be eligible for financial assistance in the form of tax credits or cost-sharing reductions to help lower their monthly premiums and out-of-pocket costs.  

Marketplace / Obamacare

Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

In 2023, the average ACA health plan premium in Arizona is $405/month per individual, according to the Kaiser Family Foundation.

You May Qualify For A Subsidy

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party.

The premium will be $400 – 700 / month, per insured person.

Short-Term Health Insurance For Those In Good Health

In Arizona, private short-term health plans can be a useful solution to fill in insurance gaps. These plans offer substantial medical coverage for new illnesses and accidents that may happen, providing peace of mind and protection in case of an unexpected medical event.

Short Term Medical Insurance: New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you
access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available in All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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