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How COBRA Insurance Works In Colorado

COBRA insurance is available in Colorado in two forms: COBRA continuation coverage and state continuation coverage. Employees who have lost their jobs are covered by COBRA, whereas employees leaving a company with 20 or fewer employees are covered by state continuation coverage.

COBRA Eligibility

Colorado Allows

COBRA Alternative:
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Accident-Only Health Plan
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

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Continuing Health Insurance Coverage In Colorado

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

Learn about Medicare Advantage

Colorado’s Mini-COBRA Law

Here are specifics on Colorado’s Title 10 Insurance Health Care Coverage Continuation law:
  1. Colorado Continuation/Conversion Coverage is available to employees whose employer group policy is not subject to the Federal COBRA Law.
  2. The maximum duration of the coverage is 18 months or until the participant becomes eligible for another group coverage. If a new group plan excludes a covered condition, the prior employer’s plan may continue to provide coverage for the 18 months or until the new plan covers the condition.
  3. This coverage applies only to fully insured plans and HMOs, not to self-funded plans, federal plans, or plans outside of Colorado’s jurisdiction.
  4. The benefits match those of non-terminated employees, including dental, vision, and prescription benefits under separate contracts.
  5. Employees and dependents are not eligible for COBRA if termination was due to gross misconduct, but Colorado Continuation Coverage may be available if all other requirements are met.
  6. Dependents who lose their dependent child status under the plan’s rules are not eligible for Colorado Continuation Coverage, but may be eligible for conversion coverage.
  7. The employee must have been continuously covered under the employer’s plan for at least six consecutive months to be eligible for Colorado Continuation Coverage. Conversion is available if the employee has been covered for more than three months but less than six.
  8. The employer must send written notice to the employee of their right to continue coverage within 10 days of termination. The notice must include the monthly payment amount, payment instructions, and the consequences of non-payment.

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Health Insurance For Pre-Existing Conditions In Colorado

Continuing on your workplace insurance is a practical idea if you visit the doctor often or take prescription medications. It’s the same health plan that you have been on. You won’t have to start your deductibles over as the plan picks back up at the date that it stopped.

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 Colorado is $376/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.

Colorado Mini-COBRA

Employer Has Less Than 20 Employees

In Colorado, all employers are compelled to offer a continuation of worker’s health insurance. The human resources department or their third-party administrator will notify you on how to apply.

Accident-Only Coverage Is Allowed In Colorado

In Colorado, you are able to bridge your insurance gap using a private short-term health plan. The following types of coverage provide major medical benefits for unexpected accidents that may arise.

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 – 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.

Are You Eligible For COBRA?

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