Nevada's Mini-COBRA Law

Nevada state law allows employees of companies with 19 or fewer employees to continue their employer-sponsored health insurance when federal COBRA does not apply. To qualify under the Nevada's Mini-COBRA law, also known as the Health Insurance Continuation of Coverage Act, the insured must have maintained continuous, creditable health coverage for at least 12 months prior to the qualifying event.

Nevada Health Insurance Continuation of Coverage Act

The Nevada Health Insurance Continuation of Coverage Act requires employers with fewer than 20 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 or reduction in hours.

• Employer Size: Applies to employers with fewer than 20 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 eligible under the plan.
• Coverage Duration: Continuation coverage is available for up to 18 months for employees and up to 36 months for dependents in certain circumstances.
• Premium Payment: Individuals electing continuation coverage are responsible for paying the full premium amount, plus a 2% administrative fee.
• Election Period: Eligible individuals must elect continuation coverage within 60 days of the qualifying event.

Alternative Low Cost Medical Plans in Nevada

Continuing an employer plan in Nevada with Mini-COBRA is around $792/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.