How COBRA Insurance Works In New Jersey
In New Jersey, mini-COBRA provides a continuation of employer-sponsored health insurance coverage for individuals who are involuntarily terminated and where the employer has 19 or fewer full-time workers.
Of course, Federal COBRA is available for all in New Jersey where the employer has 20 or more employees. Federal COBRA is available to these workers for involuntary and voluntary termination.
Continuing Health Insurance Coverage In New Jersey
No Pre-Existing Conditions
Term Medical Gap Coverage
Available in some states, as low as $44/month
$400 – 700/month per individual
Nearing Retirement Age
Learn about Medicare Advantage
New Jersey’s Mini-COBRA Law
Most people are familiar with COBRA, which applies to companies offering health coverage to employees and have 20 or more workers for at least half of the business days in the previous calendar year. In New Jersey, the NJCCR (also known as “NJ Mini-COBRA”) applies to employers that offer health coverage to workers and have between 2 and 50 eligible employees, of which the majority of whom work in New Jersey for at least half of the business days in the preceding quarter of the calendar year.
Note that individuals who qualify for COBRA are not eligible for coverage under NJCCR.
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.
COBRAinsurance.com has been continuously published since 1999. Learn more about our business and how we've been able to help over 4 million people find affordable health plans.
Apply For COBRA Health Insurance For Pre-Existing Conditions In New Jersey
COBRA insurance is a smart choice for individuals who have lost their job and are seeking to continue their health insurance coverage. COBRA insurance allows you to maintain the same health insurance coverage that you had while employed, providing continuity of care.
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.
New Jersey Mini-COBRA
Employer Has Two to Fifty Employees
In New Jersey, employers are required to offer the continuation of an employee’s health insurance. The HR department or a third-party administrator will provide information on how to apply for it.
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 Jersey is $583 according to moneygeek.com for the year 2023.
Affordable GAP Insurance In New Jersey
In New Jersey, you are able to bridge your insurance gap using an accident-only major medical plan.
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage
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
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.
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.