Connecticut Mini-COBRA

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.

Connecticut State Continuation

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.

Alternative Low Cost Medical Plans in Connecticut

Continuing an employer plan in Connecticut with Mini-COBRA is around $859/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.