Does Florida offer mini-COBRA?
Asked by: Selina Schuster | Last update: December 28, 2025Score: 4.1/5 (29 votes)
Does Florida have mini-COBRA laws?
Florida's Mini-COBRA Law
This law allows employees and their dependents to maintain their group health plan benefits after specific qualifying events, such as termination of employment (excluding gross misconduct), reduction in hours, divorce, or the death of the employee.
Which states have mini-COBRA laws?
- Arizona.
- Arkansas.
- California.
- Colorado.
- Connecticut.
- District of Columbia.
- Florida.
- Georgia.
What is the COBRA 60 day loophole?
Generous Time to Enroll
You have 60 days to enroll in COBRA once your employer-sponsored benefits end. Even if your enrollment is delayed, you will be covered by COBRA starting the day your prior coverage ended.
Who is eligible for PA mini-COBRA?
Pennsylvania's Mini-COBRA applies to employees at businesses with 2-19 employees. Length of Coverage - COBRA allows for the purchase of continuation health coverage for 18 months (or, in some cases, 36 months) after employment ends. Pennsylvania's Mini-COBRA is for nine months.
COBRA Insurance | What You Need to Know
What is the difference between a COBRA and a 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.
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 105 day COBRA loophole?
So, if you maxed out the 60 day election period plus the 45 day payment period, you could actually go 105 days without paying for the coverage.
Does health insurance end the day you quit?
When does health insurance expire after leaving a job in California? Your health insurance may expire the day you leave your job, or at the end of that month. For instance, if you quit on January 10th, you may have coverage through January 31st. You'll need to find out what your employer's policy is.
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.
How long can you stay on COBRA 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 the same in every state?
(COBRA applies to businesses employing more than 20 people.) Each state separately administers State Continuation laws, and there are some differences in rules. For that reason, State Continuation is not part of the federal COBRA program, which applies equally to all states.
How long is health insurance active after termination in Florida?
When your employment is terminated. Active employees pay premiums one month in advance, so coverage ends on the last day of the month following the month you terminated employment. For example, if your last day of work is April 23, your coverage ends May 31.
Can an employer not offer COBRA?
COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) is a federal law that requires employers of 20 or more employees who offer health care benefits to offer the option of continuing this coverage to individuals who would otherwise lose their benefits due to termination of employment, reduction in hours or ...
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.
Why is COBRA so expensive?
Why is COBRA more expensive than employer-sponsored insurance? COBRA is more expensive because the individual is responsible for the entire premium amount without the employer's financial contribution that is provided during active employment.
How long can you use COBRA after leaving a job?
COBRA coverage lets you pay to stay on your job-based health insurance for a limited time after your job ends (usually 18 months). You usually pay the full premium yourself, plus a small administrative fee.
What is the best health insurance for unemployed people?
The best health insurance for unemployed individuals depends on your specific needs and financial situation. Medicaid offers health coverage for those with little to no income. For others, the Health Insurance Marketplace may provide affordable plans, especially for those eligible for financial help to lower costs.
What is the 14 day rule for COBRA?
14-Day Notice Period
The HR office must provide the COBRA Election Notice and Election Form to qualified beneficiaries within 14 days from the date of the qualifying event or loss of coverage, or when the HR office is notified, whichever comes first.
What is the loophole for COBRA coverage?
Understanding the 60-Day Loophole
It's not so much of a loophole, but two 60-day windows of time to remember. You have a 60-day window following the end of your employer-sponsored plan to select COBRA coverage or choose a new plan in the individual ACA marketplace.
Can you be turned down for COBRA?
If the former employee is considered an eligible plan participant, then he or she would be a qualified beneficiary and entitled to COBRA coverage unless the second exception (denial based on gross misconduct) is applied. Under COBRA, a person who has been terminated for gross misconduct may be denied COBRA.
Can you get Obamacare if you are eligible for COBRA?
From November 1-January 15: During Open Enrollment you can enroll in a Marketplace plan, regardless of why you're ending COBRA coverage.
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.
What is COBRA for dummies?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, ...