Ohio COBRA and Mini-COBRA Health Insurance Continuation

In Ohio, losing job-based health coverage doesn’t always mean the end of your access to that plan. Depending on your employer's size and plan type, you may qualify to continue your existing coverage under federal COBRA or the state's Mini-COBRA law. These continuation rights are designed to help you maintain group health benefits during times of transition.

Federal COBRA typically covers employers with 20 or more employees and offers up to 18 months of continued coverage after certain qualifying events. For employees of smaller businesses or employers exempt from federal COBRA—such as churches or certain public entities—Ohio’s Mini-COBRA law provides a similar option for up to 12 months.

Ohio's Mini-COBRA Law

Ohio’s Mini-COBRA law, found in Ohio Revised Code Section 3923.38, allows individuals who lose group health coverage to continue that coverage for a limited time, even if their employer is not subject to federal COBRA. This includes employers with fewer than 20 employees, religious organizations, and certain governmental entities. The law ensures a continuation option for those who might otherwise fall through the gaps.

• Employer Size: Applies to employers with fewer than 20 employees and certain exempt entities such as churches and government plans.
• Eligibility: Former employees and their dependents who were enrolled in the group health plan at the time coverage was lost.
• Qualifying Events: Job loss, reduction in hours, or other events that result in loss of group coverage.
• Coverage Duration: Continuation is available for up to 12 months following the loss of coverage.
• Premium Payment: Individuals must pay the full premium amount, including the portion previously paid by the employer.
• Election Period: Eligible individuals must elect continuation coverage within the timeframe specified in the plan documents—typically within 60 days of the qualifying event or notice.
• How to Apply: A written election must be submitted to the employer or insurance provider, along with required premium payments to maintain coverage.

Alternative Low Cost Medical Plans in Ohio

Continuing an employer plan in Ohio with Mini-COBRA is around $635/mo, per individual. If COBRA is unavailable or is outside of your budget, you do have affordable other options for health coverage. See below.

The cost of health insurance is determined by your age and state of residency.