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COBRA Insurance In The State Of Montana

Montana follows the federal COBRA law, which requires businesses with 20 or more employees to offer temporary continuation of group health insurance coverage to certain eligible employees and their dependents who would otherwise lose coverage due to certain qualifying events. This helps ensure that the affected individuals have access to continued health insurance coverage during a period of transition.

COBRA Eligibility

What Type Of Health Coverage Do You Need In Montana?

Coverage For Pre-Existing Conditions

Nearing Retirement Age

Montana and COBRA Insurance

In Montana, COBRA laws are observed in accordance with federal regulations. Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), eligible individuals have the right to continue their employer-sponsored health coverage for a limited period after a qualifying event, such as job loss, reduction in hours, or divorce.

Employers with 20 or more employees are required to comply with the law and administer COBRA coverage, with guidance from the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA).

Participants in Montana are responsible for paying the full cost of their insurance premium, plus a 2% administrative fee, and can receive coverage for up to 18 months, subject to certain exceptions.

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Health Insurance In Montana

Maintaining your employer health insurance in Montana by using your COBRA rights can be a smart move if you routinely visit doctors or take prescription medications. You won’t need to start over with your deductibles, and your plan will stay the same as the one you were previously enrolled in. On the day it ended, the plan starts up again, continuing coverage.

Your other option is to enroll in an individual Marketplace health plan. These plans provide similar benefits to workplace health insurance.

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 health plan premium in Montana was $471/month per individual.

View Affordable Care Act Plans


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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