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Understanding COBRA Insurance in Connecticut

In Connecticut, two types of COBRA insurance are offered: federal COBRA continuation coverage and state continuation coverage. Federal COBRA covers employees who have lost their jobs, while state continuation coverage covers employees who are leaving a company with fewer than 20 employees.

COBRA Eligibility

Connecticut Allows

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

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*Based on age and zip code

Continuing Health Insurance Coverage In Connecticut

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

Connecticut’s Mini-COBRA Law

Connecticut’s mini-COBRA law provides continuation coverage for small employers with less than 20 employees. This law requires small employers to offer COBRA-like coverage to employees who would otherwise lose their health insurance when they leave the company.

The coverage is similar to COBRA, but the employer is responsible for paying the entire premium, rather than splitting the cost with the employee as is the case with federal COBRA. The law is intended to provide employees with more affordable health insurance options when they leave their job and to ensure that small employers in Connecticut are able to provide their employees with continued coverage.

On May 5, 2010, Governor Jodi Rell signed Public Act 10-13 into law after it was passed by the Connecticut legislature. This law increased the maximum continuation period for specific qualifying events from 18 months to 30 months, deviating from the previous federal rule of 18 months in Connecticut.

Source: Connecticut Law (Public Act 10‐13)

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Health Insurance For Pre-Existing Conditions In Connecticut

In Connecticut, continuing your workplace insurance can be a wise choice if you frequently see a doctor or take prescription medications. It allows you to maintain your existing health plan without having to start your deductibles from scratch, as the plan resumes from the date it ended.

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 Connecticut is $592/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.

Connecticut Mini-COBRA

Employer Has Less Than 20 Employees

In Connecticut, 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.

Connecticut Allows Accident-Only Medical Insurance

In Connecticut, you can bridge your insurance gap by using an accident-only medical plan that covers accidental injuries

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.


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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