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In Nevada, How Does COBRA Work?

Nevada state law allows employees of companies with 19 or fewer employees the right to continue their employer-sponsored health insurance when the federal COBRA law does not apply.

The Nevada law’s caveat regarding small employers is that the insured employee must have had continuous, creditable health insurance for the previous 12 months in order for the insurance to continue.

COBRA Eligibility

Nevada Allows

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*Based on age and state availability

Continuing Health Insurance Coverage In Nevada

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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

Nevada’s Mini-COBRA Law

The Nevada Health Insurance Continuation of Coverage Act, also known as mini-COBRA, was adopted in 1991 and supplements the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) to provide additional options for individuals to continue their employer-sponsored health insurance coverage. This law applies to employers with 20 or fewer employees and is governed by the state of Nevada.

Under the Nevada mini-COBRA law, individuals who experience a qualifying event such as job loss or reduction in hours may continue their employer-sponsored health insurance coverage for up to 18 months. The continuation of coverage may last longer in certain circumstances, such as if the individual is disabled or becomes eligible for Medicare during the 18-month period. The member is responsible for paying the full cost of their insurance premium, plus a 2% administrative fee.

Nevada’s laws regarding qualifying events and time allowed for COBRA continuation is the same as the federal Act.

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Getting COBRA Health Insurance For Pre-Existing Conditions In Nevada

COBRA can be especially beneficial if you have a pre-existing condition or need frequent medical care. Without COBRA, you may not be able to find a new insurance plan that covers your existing medical conditions, and your health could be at risk.

Although COBRA can be more expensive than your employer-sponsored plan, it can still be a cost-effective option compared to purchasing an individual insurance plan.  

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.

The coverage is retroactive to the date you lost that insurance. After you make your premiums you will be able to reimburse approved medical expenses incurred before it was reactivated.

You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.

Nevada Mini-COBRA

The Nevada Mini-COBRA law follows the Federal COBRA law provisions accept that it is available to workers and families where they employer has 19 or fewer employees.

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 Nevada is $480 in 2023 according to moneygeek.com.

View Affordable Care Act Plans

Short-Term Health Insurance In Nevada

Short-term health insurance can be a smart choice for people in Nevada who are between jobs because it provides coverage for a limited period of time, usually up to 12 months. It’s an affordable and flexible alternative to traditional health insurance plans, including COBRA, and can help bridge the gap between jobs by ensuring access to medical care during the transition. 

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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