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How COBRA Works In Nebraska

Nebraska has a state-specific mini-COBRA law that applies to smaller employers with 2 to 19 employees. This law provides continuation of health insurance coverage for eligible employees and their dependents in the event of a qualifying event, such as termination of employment, reduction in hours, or death of the covered employee.

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Nebraska Allows

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Continuing Health Insurance Coverage In Nebraska

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

Medicare
Nearing Retirement Age

Learn about Medicare Advantage

Nebraska’s Mini-COBRA Law

The Nebraska Continuation of Health Coverage Act applies to employers with 2 to 19 employees. This law requires these smaller employers to offer continuation of health insurance coverage to eligible employees and their dependents in the event of a qualifying event, such as termination of employment, reduction in hours, or death of the covered employee.

The mini-COBRA law in Nebraska helps ensure that employees and their families have access to continued health insurance coverage during a period of job or family transition.

In Nebraska, if the state’s mini-COBRA law is more favorable than the federal COBRA law, then the state law will be used instead of the federal law. The Nebraska Continuation of Health Coverage Act provides certain requirements and protections for eligible employees and their dependents, and if these provisions are more favorable than those outlined in the federal COBRA law, the state law will take precedence.

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Endorsed by HealthCare.gov, COBRAinsurance.com is a resource for understanding the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) rules & regulations. We also offer affordable individual health plans for those between jobs when continuing with COBRA is too costly or not an available option. 

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Pre-Existing Condition Coverage in Nebraska

For Nebraskans who require frequent medical attention or medication, opting for COBRA continuation of their employer’s insurance is a smart choice. This enables them to maintain their same health coverage without resetting deductibles as the plan seamlessly continues from its previous state.

Nebraska Mini-COBRA

In order to be eligible for mini-COBRA coverage in Nebraska, employees must meet certain requirements as outlined in the Nebraska Continuation of Health Coverage Act. These requirements typically include the following:

  • Involuntary termination (excluding misconduct) from employment with an employer who has 20 or fewer employees.
  • Enrollment in the employer-sponsored health insurance plan prior to the qualifying event.
  • Payment of the full monthly premium, plus a 2% administrative fee.

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. 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 Nebraska is $527 according to MoneyGeek.com.

View Affordable Care Act Plans

Short-Term Health Insurance as a Choice in Nebraska

In Nebraska, an individual can use short-term health insurance as an alternative to COBRA or Obamacare.

However, it is important to note that short-term health insurance plans typically provide limited coverage and may not meet all of an individual’s healthcare needs.

Short-term health insurance plans are generally less expensive than traditional health insurance plans or COBRA continuation coverage. This can make them a more affordable option for individuals who are in-between jobs.

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.

Medicare

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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