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How COBRA Insurance Works In Florida

In Florida, both federal COBRA continuation coverage and state continuation coverage are available. Federal COBRA covers employees who have lost their jobs, while state continuation coverage provides similar benefits for employees who have left a company with 2-19 employees.

COBRA Eligibility

Florida Allows

COBRA Alternative:
Save Up To 70%

Try Accident Only Coverage
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

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*Based on age and state availability

Continuing Health Insurance Coverage In Florida

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

Florida’s Mini-COBRA Law

Florida’s mini-COBRA law, outlined in Florida Statute § 627.6692, provides continuation coverage for employees who have left a company with 2-19 employees. This law requires the former employer to offer COBRA-like coverage to employees who would otherwise lose their health insurance after leaving the company.

The mini-COBRA law aims to provide employees with affordable health insurance options and to ensure that small employers in Florida are able to provide their employees with continued coverage.

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Health Insurance For Pre-Existing Conditions In Florida

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 Florida was $468/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.

Florida Mini-COBRA

Employer Has Less Than 20 Employees

In Florida, all employers are required to provide continued health insurance coverage to their employees. The human resources department or their designated third-party administrator will inform you on the steps to apply for this coverage.

Short-Term Health Insurance For Those In Good Health

In Florida, you can fill your insurance gap by opting for a private short-term health plan. These plans offer comprehensive major medical coverage for new illnesses and accidental injuries that may occur.

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

Choose Your Length Of Coverage
1 – 12 Months

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

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 – Access to prescribing  doctors for common issues

Coverage may begin as early as midnight tonight

Cancel anytime

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.


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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