How COBRA Insurance Works In Wisconsin
Wisconsin workers and their families are allowed to continue on their most recent employer health plan if it were to end. The federal COBRA law applies for companies with 20 or more employees and the Wisconsin Continuation Statue requires businesses with 19 or fewer employees to offer workers health insurance continuation.
Contining Health Insurance Coverage In Wisconsin
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
Wisconsin’s Mini-COBRA Law
The continuation statute in Wisconsin applies to the majority of group health insurance policies that provide hospital or medical care. If offered as distinct plans, stand-alone dental, vision, and prescription medication coverage are not necessary. The law applies to group plans issued by any size company.
Additionally, employees who live outside of Wisconsin while working for a Wisconsin-based business are eligible for continuing coverage. The statute does not apply to self-funded workplace health plans or policies that cover only certain diseases or accidental accidents.
Source: Wisconsin Law (s. 632.897, Wis. Stat.)
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.
Apply For COBRA In Wisconsin For Pre-Existing Condition Coverage
Continuing on your workplace insurance is a practical idea if you visit the doctor often or take prescription medications. It’s the same health plan that you have been on. You won’t have to start your deductibles over as the plan picks back up at the date that it stopped.
Marketplace / Obamacare
Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average plan premium in Wisconsin is $429.
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.
Employer Has Less Than 20 Employees
In Wisconsin, all employers are compelled to offer a continuation of worker’s health insurance. The human resources department or their third-party administrator will notify you on how to apply.
Short-Term Health Insurance For Those In Good Health
In Wisconsin, you are able to bridge your insurance gap using a private short-term health plan. The following types of coverage provide major medical benefits for new illnesses and accidents that may arise.
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.
Pre-existing Conditions Do Not Exclude You From Accident Only Coverage
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 giving you access to prescribing doctors for common issues.
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.
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.