How Does COBRA Insurance Work In North Carolina?
North Carolina Mini-COBRA is a state-level continuation coverage program that provides eligible individuals and their families with the opportunity to continue their employer-sponsored health insurance after a qualifying event, such as job loss or reduction in hours.
QUICK CHECK
COBRA Eligibility
North Carolina Allows
COBRA Alternative:
Save Up To 70%
Accident Only Coverage
Starting At
$44/month*
Covers An Insurance Gap
Until Your Next Work Health Plan Starts
Get A Quote, Enroll Online
Shop Plans
Call us
877-262-7241
*Based on age and state availability
Continuing Health Insurance Coverage In North Carolina
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
North Carolina’s Mini-COBRA Law
North Carolina Mini-COBRA is a state law that requires employers to offer continuation of health insurance coverage to all eligible individuals and their families after a qualifying event, such as job loss or reduction in hours.How Long Does COBRA Last?
Employers have an obligation to notify eligible individuals bout the availability of COBRA and how to apply for coverage. Unlike federal COBRA, North Carolina Mini-COBRA provides a maximum of 18 months of coverage and does not offer any extensions beyond this period. Eligible individuals and their families must pay the full premium cost, including any portion that was previously paid by the employer. Source: NC Department Of Insurance Guide To Health Insurance Continuation RightsFederal Open Enrollment
Now – December 15
If you're considering ACA as an alternative to COBRA or exploring new coverage options, COBRAinsurance.com's certified ACA specialists are here to assist you during the open enrollment period.
- Comprehensive Family Coverage
- Protection for Pre-Existing Conditions
- Prescription Drug Plans
We Understand the ACA
Get expert assistance. Connect with us today. Learn More.
North Carolina Health Insurance for Individuals with Pre-Existing Conditions
COBRA is great if you have a health problem or go to the doctor often. Without COBRA, it might be tough to find a new insurance plan that covers your pre-existing health conditions.
How to Apply for COBRA in North Carolina
Any North Carolina employer with 20 or more full-time employees must notify their staff about the availability of COBRA, thereby extending the coverage afforded by their group health plans in response to a qualifying event. As an employee, enrolling in COBRA allows you to continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months. Whether for short-term or gap health insurance between jobs, COBRA provides the same level of coverage available under your employer’s group health plan and is ideal for managing pre-existing conditions. Qualifying events include termination, except in the case of misconduct; quitting or resigning; a reduction in work hours; or losing spouse-provided coverage related to employer bankruptcy, divorce, becoming recently widowed or your spouse becoming eligible for Medicare. The coverage is retroactive to the date you lost that insurance. After you make your premiums, you will be able to reimburse approved medical expenses incurred before it was reactivated. You sign up for COBRA with your former employer or their third-party administrator. Following a qualifying event, you have 60 days to enroll in COBRA and 45 days to pay your premium.How Much Is COBRA Insurance?
The premium will be $400–700/month, per insured person. Amounts are based on what you previously paid per month while enrolled in your employer’s group health plan and the portion of your employer contribution. An administration fee of no more than 2% is added on top of this total.North Carolina Mini-COBRA
To be eligible, individuals must have previously had health insurance coverage under their employer’s group health plan and must not have already reached the maximum 18-month coverage period under Mini-COBRA. Additionally, individuals must apply for Mini-COBRA within a specified timeframe after the qualifying event occurs and must pay the full premium cost for the coverage.
Alternatives to COBRA
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average lowest-cost silver plan monthly premium is $501 in North Carolina for 2023 according to the Kaiser Foundation.
Short-Term Health Insurance In North Carolina
For North Carolina residents facing a gap in health insurance coverage, short-term health insurance is available as an alternative to COBRA. This coverage option provides peace of mind by keeping individuals and their families protected from new accidents and illnesses until their next employer-based health insurance takes effect.
With flexible plans and affordable rates, short-term health insurance ensures that you have the coverage you need to stay healthy and financially secure. Don’t let a gap in health insurance coverage put your health at risk.
Short Term Medical Insurance
New Illnesses & Injury Coverage
Plans begin at $80/month.
Based on age and state availability
The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.
Coverage begins as early as midnight tonight.
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within eight 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.
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