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How COBRA Insurance Works In Kansas

The federal COBRA law applies to workplaces that employ 20 or more workers. In Kansas, employees of small businesses are eligible for state continuation coverage even if there are 19 or fewer employees.

To qualify, individuals must have been continuously covered under the group health plan contract for at least three months immediately prior to termination in order to maintain coverage. Under Kansas law, the maximum term of continuing coverage is 18 months.

COBRA Eligibility

Kansas Allows

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*Based on age and state availability

Continuing Health Insurance Coverage In Kansas

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

Mini-COBRA Law In Kansas

The state of Kansas offers an extended COBRA insurance plan for employees of companies with 2-19 employees in addition to the federal COBRA insurance coverage. This means that even if you do not meet the requirements for federal COBRA insurance, you may still be eligible for COBRA insurance coverage through the Kansas Continuation Coverage law.

To be eligible for Kansas Continuation Coverage insurance, you must have experienced an employment loss that qualifies you for COBRA insurance and have been covered by your employer’s group health insurance plan. Additionally, you cannot be eligible for federal COBRA insurance.

Source: Kansas Continuation Law, K.S.A 40-2209 

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Getting COBRA in Kansas For Pre-Existing Conditions

Keeping your employer insurance is a good option if you see the doctor frequently or need prescription drugs. It’s the same health plan you’ve always had. You will not have to restart your deductibles because the plan will resume where it left off.

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.

Kansas Mini-COBRA

Employer Has Less Than 20 Employees

In Kansas, 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.

Marketplace / Obamacare

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

Kansas’s average ACA health plan premium was $476/month in 2023.

View Affordable Care Act Plans

GAP Insurance: Accident-Only Medical Plans 

In Kansas, you are able to bridge your insurance gap using a private short-term health plan. The following types of coverage provide major medical benefits for unexpected accidents that may arise.

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 – 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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