Does Florida have Mini-COBRA laws?
Asked by: Mr. Kay Schulist Sr. | Last update: August 26, 2025Score: 4.7/5 (63 votes)
Does Florida require a mini-COBRA?
In addition, Florida is among the states that have a mini-COBRA law, which ensures that individuals who work for employers with less than 20 employees are similarly covered after a “qualifying event.”
What states require mini-COBRA?
- Arizona.
- Arkansas.
- California.
- Colorado.
- Connecticut.
- District of Columbia.
- Florida.
- Georgia.
How does a mini-COBRA work?
Unlike federal COBRA, which applies to larger employers, Cal-COBRA ensures that employees of small businesses have the option to continue their health insurance for up to 36 months after leaving their job or experiencing a reduction in work hours.
What is the minimum length of COBRA coverage?
While COBRA is temporary, in most circumstances, you can stay on COBRA for 18 to 36 months. This coverage period provides flexibility to find other health insurance options.
What Is COBRA for Health Insurance
What is the COBRA loophole?
If you decide to enroll in COBRA health insurance, your coverage will be retroactive, meaning it will apply to any medical bills incurred during the 60-day decision period. This loophole can save you money by avoiding premium payments unless you actually need care during this time.
Can I get COBRA for 3 months?
It highlights the flexibility in COBRA coverage duration, ranging from as brief as one month to as long as eighteen months for employees, and extends up to thirty-six months for dependents. This clarification ensures accurate information for individuals exploring their COBRA coverage options.
What is the difference between COBRA and mini COBRA?
Unlike federal COBRA, which covers only employers with 20 or more employees, mini-COBRA laws generally cover employers with fewer than 20 employees. In a few states, 2-19 employees is the threshold. Some states require nearly all employers, regardless of size, to comply with mini-COBRA.
Who is not eligible for COBRA?
Indemnity policies, PPOs, HMOs, and self-insured plans are all eligible for COBRA extension; however, federal government employee plans and church plans are exempt from COBRA. Individual health insurance is also exempt from COBRA extension.
Does COBRA work in all states?
COBRA is a federal law and applies regardless of residency If there are more than 20 employees at the job you are leaving, then that employer has to offer you a continuation of the same group health plan for a duration of up to 18 months.
Is it illegal to deny COBRA?
The employer's denial of COBRA coverage to the eligible qualified beneficiaries could result in daily penalties, litigation, reimbursement of unpaid claims and other related costs.
Does COBRA have to start immediately?
An employee eligible for COBRA insurance must opt for it within 60 days of their employer-sponsored insurance termination date. The coverage starts the day the previous coverage ends.
Is there COBRA in Florida?
There is no evidence to suggest that cobras have established breeding populations in the Florida Everglades. So far, cases of these daunting serpents in southern Florida have been the result of escaped pets. With that said, there is one species of snake that is native to the Everglades and is related to the cobra.
What is the working spouse rule for Blue Cross Blue Shield?
The Working Spouse Rule states that a spouse must enroll in their employer's health plan. The rule applies if the spouse works for an employer who offers a health plan, and the employer pays at least 50% of the total premium for single coverage.
What is the grace period for Florida Blue?
If you receive an APTC your grace period is three months, as long as you have paid at least one full month's premium. During the first month of your grace period, claims will be paid. During the second and third months of your grace period claims may pend.
Does Florida have mini COBRA?
The state of Florida also has a “mini-COBRA” law, called the Florida Health Insurance Coverage Continuation Act, which provides a similar continuation of healthcare coverage for employees who work for small businesses with fewer than 20 employees, and who are not covered by federal requirements.
Who pays for COBRA after termination?
COBRA and Cal-COBRA
COBRA allows former employees, retirees, and their dependents to temporarily keep their health coverage. If you get COBRA, you must pay for the entire premium, including any portion that your employer may have paid in the past.
Can you have Medicaid and COBRA at the same time?
For many people, COBRA, the insurance you can buy into when you lose your job, is too expensive. And even if you decide to enroll in COBRA, it doesn't mean you can't apply for Medicaid. You can apply for and enroll in Medicaid any time.
Is there a better alternative to COBRA?
If you can't afford COBRA continuation coverage, the ACA (Affordable Care Act), also known as Obamacare, is the best and most affordable option. Employees who lost their jobs can enroll in an Obamacare plan via the Marketplace during the open enrollment period that runs from November 1st through December 15th.
What is mini cobra insurance?
“Mini-COBRA” is a term commonly used for states that have passed a law to require continuation of coverage rights for group insurance plans that are regulated by the state. Most commonly, Mini-COBRA applies to fully insured medical plans and Health Maintenance Organizations (HMOs).
Is COBRA ever worth it?
“If you're close to meeting your deductible on your current insurance plan and you have high health care costs, it may be worth it to temporarily stay on your COBRA plan,” explains Donovan. The same holds true if you're far into your employer plan's year and have already met your deductible.
How long does a COBRA last in Florida?
How long does COBRA coverage last? COBRA requires that continuation coverage extend from the date of the qualifying event for a limited period of 18 or 36 months. The length of time depends on the type of qualifying event that gave rise to the COBRA rights.
Is COBRA cheaper than marketplace?
Both COBRA and ACA Marketplace plans have their advantages. COBRA lets you keep your exact employer-based plan but is often more expensive. ACA plans may be more affordable, especially with subsidies, but require choosing a new plan. The best choice depends on your financial situation and healthcare needs.
How much does COBRA typically cost per month?
COBRA coverage is not cheap.
A COBRA premium can cost on average $400 to $700 a month per person.