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How COBRA Insurance Works In Louisiana

In Louisiana, eligible employees and their dependents can choose COBRA continuation coverage if they lose their employer-sponsored insurance.

The state also has a state continuation program known as Louisiana Continuation Coverage.

COBRA Eligibility

Louisiana Allows

COBRA Alternative:
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Term Health Insurance
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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 Louisiana

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

Louisiana’s Mini-COBRA Law

COBRA (Consolidated Omnibus Budget Reconciliation Act) continuation coverage is a government program that allows eligible employees and their families to keep their employer-sponsored health insurance following a qualifying event, such as job loss or a reduction in hours. Individuals who are qualified in Louisiana can choose COBRA continuation coverage for up to 18 months.

Louisiana has its own state continuation program, Louisiana Continuation Coverage, in addition to federal COBRA. This program functions similarly to COBRA, but provides additional protections for state residents.

Source: Louisiana Statute RS 22:1046 

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Louisiana Health Insurance For Pre-Existing Conditions

If you require frequent doctor visits or prescription medications, keeping your employer’s insurance is a wise choice for Lousianians. It provides the same health coverage you’re used to, without the need to reset deductibles, as the plan picks up where it left off.

Louisiana Mini-COBRA

All businesses with a group-health plan for employees.

Eligibility For Mini-COBRA in LA:
  1. The individual must be a resident of Louisiana.
  2. The individual must have been covered by a group health plan sponsored by their employer before their qualifying event.
  3. The qualifying event must be termination of employment, reduction of hours, or death of the covered employee.
  4. The individual must have elected COBRA continuation coverage or Louisiana Continuation Coverage within 60 days of the qualifying event.
  5. The individual must pay the required premiums on time.

Apply For COBRA In Lousiana

Employer Has 20+ Employees

You may continue your most recent work health insurance for up to 18 months as an employee. 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.

Marketplace / Obamacare

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

The average Obamacare plan premium in Louisiana is $550/month per individual according to the Kaiser Family Foundation.

View Affordable Care Act Plans

Louisiana Allows Short-Term Health Insurance As An Option

Louisiana allows individuals to purchase short-term health insurance as a coverage option while transitioning between jobs. This type of insurance provides temporary coverage for a set period, typically ranging from one to twelve months.

The state’s regulations allow insurers to offer these plans to residents, providing a flexible and cost-effective alternative to traditional health insurance.

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

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

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.

Coverage begins as early as midnight tonight.


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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