The federal Consolidated Omnibus Budget Reconciliation Act (COBRA) allows employees and their dependents to continue receiving employer-provided health insurance in the event they lose their job or would otherwise lose health care coverage. COBRA applies to employers with 20 or more employees. However, the majority of states have passed their own so-called “mini-COBRA” laws that cover smaller employers or may otherwise provide greater rights than COBRA.
The following chart helps employers understand each state’s health care continuation coverage requirements. States that have none are marked N/A. In the absence of state requirements, federal rules may apply.
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Health care continuation coverage mini cobra laws by state
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