How COBRA Insurance Works In New Jersey
In New Jersey, state continuation coverage—often referred to as mini-COBRA—provides eligible individuals the option to continue their employer-sponsored health insurance after a qualifying event. If your employer has between 2 and 50 eligible employees, you may qualify for coverage under the New Jersey Continuation Coverage Rules (NJCCR).
Federal COBRA remains available for individuals whose employer has 20 or more employees. It provides similar continuation rights following both voluntary and involuntary termination of employment.
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COBRA Eligibility
New Jersey Allows
COBRA Alternative:
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*Based on age and state availability
Continuing Health Insurance Coverage In New Jersey
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
New Jersey Continuation Coverage Rules (NJCCR)
The New Jersey Continuation Coverage Rules (NJCCR), commonly referred to as New Jersey’s Mini-COBRA law, require employers with 2 to 50 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 2 to 50 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 to less than 25 per week, 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. If the employee is determined to be disabled by the Social Security Administration, coverage may extend up to 29 months.
- Premium Payment: Individuals electing continuation coverage are responsible for paying the full premium amount, plus a 2% administrative fee. For disabled individuals, the premium may increase to 150% after 18 months.
- Election Period: Eligible individuals must elect continuation coverage within 30 days of the qualifying event.
- How to Apply: Employers are required to notify eligible individuals of their continuation rights. To apply, individuals must submit a written election to their employer within the 30-day election period and pay the required premiums as instructed.
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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.
Accident Only Insurance with Telehealth
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.
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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Accident Only plans start at $44/mo
Short-Term Medical low as $80/mo
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