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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.

COBRA Eligibility

New Jersey Allows

COBRA Alternative:
Save Up To 70%

Term Health Insurance
Starting At
Covers An Insurance Gap
Until Your Next Work Health Plan Starts

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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

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.

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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.

View Affordable Care Act Plans

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

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.

Are You Eligible For COBRA?

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