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COBRA Insurance In The State Of Massachusetts

The Massachusetts Mini-COBRA law applies to employers with 2 or more employees. To be eligible for Mini-COBRA, employees must have lost their group health insurance coverage due to a reduction in hours or termination of employment, and the employer must offer COBRA coverage to its employees. The employee must also timely elect Mini-COBRA coverage and pay the required premium.

COBRA Eligibility

Coverage Continuation in Massachusets

Coverage For Pre-Existing Conditions

Nearing Retirement Age

Massachusets Mini-COBRA Law

The 1996 Massachusetts Mini-COBRA Law allows all employees to continue their group health insurance coverage for a limited time if they lose it due to a reduction in hours or termination of employment.

The length of the coverage is 9 months and the average cost per month is approximately 102% of the regular premium paid by the employee.

Source: Massachusetts Mini-COBRA Law,. G.L. c. 176J, § 9 

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Health Insurance For Pre-Existing Conditions In Massachusets

Continue your employer-sponsored health insurance (otherwise known as COBRA) if you frequently see doctors or need prescription medication in Massachusets.

You won’t need to reset your deductibles, and your insurance plan will stay the same. In order to ensure a seamless transition of care, coverage will start up again on the day it was discontinued.

Apply For COBRA

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.

In 2023, the average plan premium in Massachusetts was $553/month per person.

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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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