What is COBRA?

Federal COBRA
COBRA (or the consolidated omnibus budget reconciliation act) is a federal program that provides temporary continuation of health insurance when employer-sponsored coverage is lost. Employers with 20+ employees are required to offer COBRA as part of their group health plan. Learn more about COBRA from the US Department of Labor's website here.

State (Mini) COBRA
Some states have developed their own version of continuation coverage. This is often referred to as state or "mini" COBRA. It may extend the amount of time required for employers to offer continuation coverage. State COBRA usually applies to employers with less than twenty employees.

Looking for details on costs and coverage under your insurance plan? Contact your benefits broker for more information.


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