Nebraska's Mini-COBRA Law

In Nebraska, federal COBRA law applies to employers with 20 or more employees. For smaller businesses, the Nebraska Continuation of Health Coverage Act—commonly referred to as the state’s mini-COBRA law—provides similar protection by requiring employers with 2 to 19 employees to offer temporary continuation of health insurance to eligible employees and their dependents.

Nebraska Continuation of Health Coverage Act

The Nebraska Continuation of Health Coverage Act requires employers with 2 to 19 employees to offer continuation of group health insurance coverage to eligible employees and their dependents who lose coverage due to qualifying events such as termination of employment, reduction in hours, or death of the covered employee.

• Employer Size: Applies to employers with 2 to 19 employees.
• Eligibility: Employees and their dependents who were covered under the group health plan at the time of the qualifying event.
• Qualifying Events: Termination of employment (other than for gross misconduct), reduction in hours, death of the covered employee, divorce or legal separation, or a dependent child ceasing to be a dependent under the plan.
• Coverage Duration: Continuation coverage is available for up to 6 months.
• Premium Payment: Individuals electing continuation coverage are responsible for paying the full premium amount.
• Election Period: Eligible individuals must elect continuation coverage within 30 days of the qualifying event.

Alternative Low Cost Medical Plans in Nebraska

Continuing an employer plan in Nebraska with Mini-COBRA is around $960/mo, per individual. If COBRA is unavailable or is outside of your budget, you do have affordable other options for health coverage. See below.

The cost of health insurance is determined by your age and state of residency.