COBRA Insurance In New Hampshire
New Hampshire follows the federal COBRA law, which allows eligible individuals to continue their employer-sponsored health insurance after a qualifying event such as job loss, reduced hours, or divorce.
In addition, the state offers its own Mini-COBRA law for employees of small businesses with fewer than 20 employees, providing similar continuation rights for those not covered under federal COBRA.
QUICK CHECK
COBRA Eligibility
Continuing Coverage In New Hampshire
Coverage For Pre-Existing Conditions
COBRA
Medicare
Nearing Retirement Age
New Hampshire State Continuation Coverage (Mini-COBRA)
New Hampshire’s State Continuation Coverage, commonly referred to as Mini-COBRA, allows eligible individuals to continue their group health insurance coverage after experiencing certain qualifying events. This law applies to fully insured group health plans, regardless of the employer’s size, and provides similar benefits to the federal COBRA law.
- Employer Size: Applies to employers of all sizes with fully insured group health plans.
- 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, loss of dependent status, and employer bankruptcy.
- Coverage Duration: Continuation coverage is available for up to 18 months for employees and up to 36 months for dependents in certain circumstances. If the group health plan is terminated entirely, continuation coverage must be provided for 39 weeks.
- 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 or the date they receive notice, whichever is later.
Was this answer helpful?
Share this article:
Only $11.95/ month
- 24/7 Access to Care
- Affordable and Cost-Effective
- Wide variety of health services
- Prescription Refills
Health Insurance For Pre-Existing Conditions In New Hampshire
If you’re someone in New Hampshire who needs regular doctor visits or takes a lot of prescription medication, holding onto your work health insurance can be a wise move.
This way, your insurance stays the same and you don’t have to start from scratch with new deductibles. Plus, your coverage just picks up where it left off, making it easy to keep receiving care without a gap.
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 New Hampshire was $417 in 2023 according to moneygeek.com.
Medicare
Most people become eligible for Medicare at age 65. You can enroll in Part A and Part B starting three months before your 65th birthday and up to three months after.
If your employer coverage ends after you turn 65, you’ll need to sign up for Medicare within 8 months to avoid late penalties.
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.
Remain Insured
Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
Call us
877-262-7241
Get A Quote, Enroll Online
Shop Plans
