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How COBRA Insurance Works In New York State

Mini-COBRA in New York State is a continuation coverage program that provides eligible individuals with the option to continue their group health insurance coverage after a qualifying event, such as losing their job or experiencing a reduction in work hours.

The program is designed to help individuals and their dependents maintain their health coverage for up to 18 months, as required by the Federal COBRA law. Then, the state law provides for an additional 18 months of coverage.

COBRA Eligibility

New York Allows

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Continuing Health Insurance Coverage In New York

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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

New York’s Mini-COBRA Law

A state-level continuation coverage program called New York Mini-COBRA allows qualified individuals and their families to keep their work health insurance after a qualifying event. Eligible individuals and families who lost their group health insurance coverage due to a job loss, a reduction in hours, a divorce, a death, or other qualifying events are eligible for the program.

State Law Allows An Additional 18 Months

If you meet the eligibility criteria for federal COBRA, which provides 18 months of coverage, you can extend your coverage for an additional 18 months through state continuation coverage. By combining federal COBRA and state continuation coverage, you can potentially have 36 months of continuation of coverage. Source: New York State Continuation Coverage Summary

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We are a private insurance company that provides information on the COBRA law and alternative temporary insurance options if continuation is unavailable or too expensive.

Health Insurance For Pre-Existing Conditions In New York

Continuing your workplace insurance through either federal COBRA or New York Mini-COBRA can be a wise choice if you frequently see a doctor or take prescription medications. This allows you to remain on the same health plan, avoiding the need to switch to a new one. Additionally, your deductibles will not be reset as the plan resumes from the date it ended.

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 York Mini-COBRA

Coverage for Employers with Less Than 20 Employees

In New York, all employers are required to provide continuation of health insurance for their employees. Information on how to apply for this coverage can be obtained from the employer’s human resources department or third-party administrator. Eligible individuals and their families are entitled to up to 36 months of coverage under this program. It should be noted that the entire premium cost must be paid by the individual or family member.

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 York is $776 according to for the year 2023.

View Affordable Care Act Plans

New York Allows Accident Only Medical Insurance As A COBRA Alternative 

In New York, state law allows individuals to obtain accident-only medical insurance between jobs as an alternative to COBRA or enrolling in a new Obamacare plan, providing coverage until the individual’s new workplace insurance takes effect.

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


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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