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Next day coverage, last up to 6 months.

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6+ months of coverage

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State COBRA expansion programs extend coverage to employees in firms with fewer than 20 workers who are not covered by COBRA, the federal law.  These local state programs are referred to as Mini COBRA (Mini-COBRA, MiniCOBRA) or state continuation plans. Coverage under these state continuation programs may differ in duration, restrictions, and eligibility from the coverage provided to workers under the federal law.

 

Following is each state and if they offer a Mini COBRA plan and what are the terms:

 

STATE Continuation (Y/N) Terms 

Alabama

No expansion

N/A

Alaska

No expansion

N/A

Arizona 

No expansion

N/A

Arkansas

Yes

Duration: 120 days

California

Yes

Duration: 18 months

Colorado

Yes

Duration: 18 months

Connecticut

Yes

Duration: 18 months

Delaware

No expansion

N/A

District of Columbia

No expansion

N/A

Florida

Yes

Duration: 18 months

Georgia

Yes

Duration: 3 months

Hawaii

No expansion 

N/A

Idaho

No expansion

N/A

Illinois

Yes

Duration: 9 months

Indiana

No expansion

N/A

Iowa

Yes

Duration: 9 months

Kansas

Yes

Duration: 6 months

Kentucky

Yes

Duration: 18 months

Louisiana

Yes

Duration: 12 months

Maine

Yes

Duration: 12 months

Maryland

Yes

Duration: 18 months

Massachusetts

Yes

Duration: 18 months

Michigan

Yes

N/A

Minnesota

Yes

Duration: 18 months

Mississippi 

Yes

Duration: 12 months

Missouri

Yes

Duration: 9 months

Montana

No expansion

N/A

Nebraska

Yes

Duration: 6 months

Nevada

Yes

Duration: 18 months

New Hampshire

Yes

Duration: 18 months

New Jersey

Yes

Duration: 12 months

New Mexico

Yes

Duration: 6 months

New York

Yes

Duration: 18 months

North Carolina

Yes

Duration: 18 months

North Dakota

Yes

Duration: 39 weeks

Ohio

Yes

Duration: 6 months

Oklahoma

Yes

Duration: 30 days in some cases

Oregon

Yes

Duration: 6 months

Pennsylvania

No expansion

N/A

Rhode Island

Yes

Duration: 18 months in some cases

South Carolina

Yes

Duration: 6 months

South Dakota

Yes

Duration: 18 months

Tennessee

Yes

Duration: 3 months

Texas

Yes

Duration: 6 months

Utah

Yes

Duration: 6 months

Vermont

Yes

Duration: 6 months

Virginia

No expansion

N/A

Washington

No expansion

N/A

West Virginia

Yes

Duration: 18 months

Wisconsin

Yes

Duration: 18 months

Wyoming

Yes

Duration: 12 months

 

  

 

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