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.
Continuing Health Insurance Coverage In North Carolina
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
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.
Employers have an obligation to notify eligible individuals about 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.
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.
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.
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.
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. The premium will be $400 – 700 / month, per insured person.
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.
Marketplace / Obamacare
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.
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.