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Understanding the COBRA Law in Georgia

Residents of Georgia who work for small employers with less than 20 employees have an option known as the Georgia State Continuation law, which is sometimes referred to as a mini-COBRA.

This law provides a 90-day coverage package for those who lose their employment.

COBRA Eligibility

Georgia Allows

COBRA Alternative:
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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 Georgia

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

Georgia’s Mini-COBRA Law

The Georgia State Continuation law allows small business workers (19 or fewer employees) a 3-month coverage package for those who lose their employment and were covered with a premium paid in advance for the month of termination.

If this applies to you, you are entitled to the remainder of that month of termination by law.

One key difference between Georgia’s State Continuation law and the federal COBRA law is you can not be charged the 2% administration fee.

While Georgia’s mini-COBRA law may only provide a short-term solution, it can help bridge the gap between employer-based coverage and new insurance coverage.

Source: Georgia State Continuation law – OCGA 33-24-21.1(c)(1)

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Insurance Coverage for Pre-Existing Conditions in Georgia

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 Georgia was $411/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 Georgia, you can bridge your insurance gap by choosing a private short-term health plan. These plans provide comprehensive major medical coverage for newly acquired illnesses and accidental injuries.

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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