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How COBRA Works In Michigan

In the state of Michigan, COBRA is a federal law that allows individuals to continue their health insurance coverage after leaving or losing their job. Individuals must pay the full premium for this continued coverage in order to remain eligible.

COBRA Eligibility

Michigan Allows

COBRA Alternative:
Save Up To 70%

Term Health Insurance
Starting At
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 Michigan

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

Michigan Coverage Continuation

Residents of Michigan have access to COBRA insurance, which is a federal law that allows individuals and their families to continue receiving health coverage after leaving or losing employment. This type of insurance can be used for up to 18 months in most cases, although some people may qualify for longer periods depending on the circumstances. The average cost of COBRA insurance in Michigan varies based on factors such as age and location but typically ranges from $400-$600 per month.  

Michigan’s Non-Profit Health Care Corporation Reform Act

Unfortunately, Michigan does not have a Mini-COBRA Law that applies to companies with 19 or fewer employees. Though, the Non-Profit Health Care Corporation Reform Act does allow workers the option of converting their group health plan, to an individual self-pay marketplace plan. Source: Michigan statute 550.1410a

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In Good Health? The Short-Term Option

Short-term health insurance may be used as an alternative to COBRA. The plan premiums are affordable and the co-pays are predictable as coverage is limited to new illnesses and injuries.

These plans renew every month and you may cancel at any time.

Find out if you qualify for Short Term health insurance by registering to quote in the marketplace.

Michigan’s Health Insurance Options For Pre-Existing Conditions 

COBRA insurance in Michigan is a great option for those who need temporary coverage. It provides up to 18 months of continuous health care coverage, allowing you to maintain your current plan and keep the same doctors while transitioning between jobs or other life changes.

Apply For COBRA In Michigan

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 plan premium in Michigan is $435 in 2023.

View Affordable Care Act Plans

Use Accident-Only Coverage In Michigan

The state of Michigan allows you to enroll in an accident-only major medical insurance plan while you transition to new employment.

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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