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COBRA Insurance In The State Of Mississippi

In Mississippi, COBRA continuation coverage is available to eligible individuals who have lost their group health coverage due to certain qualifying events. Additionally, Mississippi also has a state continuation law that provides for continuation of health insurance coverage for employees and their dependents under similar circumstances as COBRA.

COBRA Eligibility

Mississippi Allows

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*Based on age and state availability

Continuation of Health Insurance Coverage In Mississippi

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

Mississippi’s Mini-COBRA Law

All Mississippi residents are eligible for health insurance continuation. Mississippi law mandates that businesses with fewer than 19 employees provide former employees and their dependent family members with insurance continuation.

If federal COBRA does not apply, Mississippi Statute Title 83 is used instead. The prerequisite conditions are the same for both laws. In order to be eligible in Mississippi, you had to be enrolled in the group health plan for three consecutive months prior to the qualifying event. The notification, enrollment, and qualification periods for insurance continuation coverage are other areas where there are differences.

Source: State of Mississippi Insurance Code

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Applying For COBRA In Mississippi Allows Coverage for Pre-Existing Conditions

Retaining your employer’s insurance with a COBRA plan is a smart choice for Mississippians who need frequent medical care or medication. This way, you can continue to have the same health coverage you’re familiar with, without having to start over with new deductibles as the plan will continue from where it left off.

Mississippi Mini-COBRA

Employees who have been covered by a group health plan in Mississippi must be provided with health insurance continuation coverage,  if they undergo a “qualifying event” that causes them to lose their coverage.

Eligibility For Mini-COBRA:
  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

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 Mississippi is $488 according to MoneyGeek.com.

View Affordable Care Act Plans

Mississippi Allows Short-Term Health Insurance As An Option

While changing employment, Mississippi permits people to acquire temporary health insurance as a coverage option. These types of plans have a term usually between one and twelve months.

Due to state regulations, insurers are able to provide citizens with these plans, which act as a flexible and affordable replacement for 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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