Does Illinois have mini Cobra?

Asked By: Abdelouhab Gros | Last Updated: 8th May, 2020
Category: personal finance health insurance
3.9/5 (73 Views . 24 Votes)
While smaller businesses in Illinois are exempt from federal COBRA regulations, the state of Illinois has a “mini-COBRA” continuation coverage plan that requires employers with fewer than 20 employees to offer workers and their families a temporary continuation of their health benefits at group rates.

Click to see full answer


Also question is, what states offer mini Cobra?

According to the National Conference of State Legislatures, 40 states and the District of Columbia have some sort of mini-COBRA law. (Alabama, Alaska, Arizona, Delaware, Idaho, Indiana, Michigan, Montana, Pennsylvania and Washington had no such laws as of May 2009.)

Secondly, how long can you have Cobra insurance in Illinois? Under COBRA, an individual may be entitled to up to 18 months, 29 months, or 36 months of continuation coverage depending upon which qualifying event(s) triggered the COBRA coverage. The following table illustrates the maximum coverage periods for each qualifying event.

Considering this, how does Cobra insurance work in Illinois?

COBRA. The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides eligible covered members and their eligible dependents the opportunity to temporarily extend their health coverage when coverage under the health plan would otherwise end due to certain qualifying event.

What is the difference between Cobra and mini Cobra?

While COBRA and Mini-COBRA are similar, they are not identical and do contain differences. Some differences include: COBRA generally applies to group health plans offered by employers with 20 or more employees. Mini-COBRA applies to small group health benefit plans issued to employers with 2-19 employees.

14 Related Question Answers Found

How long does Mini Cobra last?

Mini-COBRA is modeled after the federal COBRA law, but with some important differences. The federal COBRA law allows employees at larger businesses (20 or more employees) to purchase continuation health coverage after they leave employment for 18 months (or, in some cases, 36 months) after their employment ends.

What is Mini Cobra Florida?

The Florida Health Insurance Coverage Continuation Act is akin to COBRA, and is referred to as Mini-COBRA. COBRA basically guarantees the consumer's right to purchase group health insurance for generally up to 18 months, without proof of insurability, after their employment ceases.

Is Cobra a state or federal law?

COBRA is a Federal program. State Continuation laws are separately administered by each state. Learn about your state's insurance continuation laws or contact your state's Department of Insurance for information.

How long is Cobra in Texas?

Under COBRA, you and your family have the right to remain on whatever health plan your former employer has for up to 18 months.

Does state continuation apply to dental?


No. State continuation coverage does not apply to self-funded plans, dental-only plans, vision-only plans or prescription-only plans, and therefore it cannot be extended to 36 months. However, federal COBRA does apply to dental-only plans, vision-only plans or prescription-only plans.

How long does Cobra last in Washington state?

PEBB Continuation Coverage provides temporary health plan coverage, and in some instances, life and long-term disability insurance. Maximum coverage periods vary and can last anywhere from 12 to 36 months and are based on the qualifying event that caused you or your covered dependent to lose PEBB health plan coverage.

How does Cobra insurance work in Maine?

Answer: Federal COBRA applies to companies with 20 or more workers. The Maine insurance code has a limited continuation coverage requirement for workers who work for a company with fewer than 20 employees. It provides one year of continuation coverage to qualified employees.

Can an employer extend Cobra coverage beyond 18 months?

An employer may extend the maximum COBRA continuation coverage period beyond the 18 or 36 months required by law. The employer should specify in the COBRA policy when coverage will be extended.

How much is Cobra in Massachusetts?

Cost of COBRA Insurance in Massachusetts
The cost of COBRA insurance is 102% of the premium. Let's look at this a bit deeper to truly understand what that means. With COBRA, you must pay the entire premium yourself plus a 2% administration charge. Your former employer will no longer pay any of your health care costs.

Can employers with less than 20 employees offer Cobra?


It is true that, under federal law, there is no requirement for small employers to offer COBRA coverage. The most common maximum coverage extension period for employers with fewer than 20 employees is 36 months, required by 11 states, followed by 18 months and six months, required by seven states each.