How does COBRA insurance work in Illinois?
Illinois residents, workers and their families can get a continuation of workplace insurance coverage regardless of the size of their employer by opting for federal COBRA or the state’s mini-COBRA law.
Federal COBRA applies to employees of companies with 20 or more employees and requires employers to offer continued health insurance coverage to qualifying employees and their dependents after job loss for a limited period of time.
QUICK CHECK
COBRA Eligibility
Illinois Allows
COBRA Alternative:
Save Up To 70%
Try Short-Term Medical
Starting At
$80/month*
Covers An Insurance Gap
Until Your Next Work Health Plan Starts
Get A Quote, Enroll Online
View Plans
Call us
877-262-7241
*Based on age and state availability
Continuing Health Insurance Coverage In Illinois
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
Medicare
Nearing Retirement Age
Learn about Medicare Advantage
Illinois’ mini-COBRA Law
Within 10 days of your termination or reduction in hours, your employer must notify you in writing of your right to Illinois continuation (mini-COBRA) health insurance coverage. You must be notified in person or by mail.
You must submit a written request for continuation within 30 days of the later of: 1) the date of employment termination or reduction in hours; or 2) the date written notice of your right to continuation is presented or mailed to you.
You may not elect Illinois continuation (mini-COBRA) more than 60 days after the date of employment termination or a reduction in hours below the minimum required by the group plan.
Was this answer helpful?
COBRAinsurance.com
HealthCare.gov – 2022 Elite Plus Circle Of Champions
We are a private insurance company that provides information on the COBRA law and alternative temporary insurance options if continuation is unavailable or too expensive.
Health Insurance For Pre-Existing Conditions In Illinois
Maintaining your employer health insurance in Illinois is a wise decision if you rely on medical care from a doctor or routinely take prescription medicine.
When you elect COBRA, your insurance plan will stay the same and your deductibles will not reset. Coverage will restart from the date it was terminated, ensuring a smooth transition of your health plan.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average marketplace silver plan for ACA health insurance in Illinois was $449/month, according to the Kaiser 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.
Illinois Mini-COBRA
Employer Has Less Than 20 Employees
In Illinois, 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.
Illinois Allows Short-Term Health Insurance For Those In Good Health
The state of Illinois allows individuals who have recently lost their job or transitioned from one employer to another to obtain short-term medical insurance coverage.
This type of coverage is designed to bridge any gaps in health care that may exist due to changes in employment status and can provide peace of mind during this transition period.
Short Term Medical Insurance
New Illnesses & Injury Coverage
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.
Accident Only Insurance with Telehealth
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.
Medicare
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.
Remain Insured
Accident Only plans start at $44*
with coverage starting tomorrow!
Call us
877-262-7241
Get A Quote, Enroll Online
View Plans
Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.
*Eligibility for short term medical insurance is based on age and state availability.
