Health Insurance

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 more than 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, which is often referred to as state or “mini” COBRA. It may extend the amount of time that employers are required to offer continuation coverage. State COBRA usually applies to employers with fewer than 20 employees.


For details on COBRA costs and coverage on your health insurance plan, contact your benefits broker for more information.

This article provides general information and shouldn’t be construed as legal, benefits, or HR advice. Benefits and insurance regulations may change over time and may vary by location and employer size. So, please consult a licensed broker or appropriately certified expert for advice specific to your business’s benefits options.