What group health plans are subject to COBRA? What plans are not subject to COBRA?

COBRA law generally applies to health plans maintained by private-sector employers with 20 or more employees, employee organizations, or state or local governments. COBRA does not apply to the employees of smaller businesses, church employees or federal government employees.

COBRA alternative coverage is usually individual insurance and not group insurance. In this case the laws governing individual insurance apply but the federal and state laws governing employer-provided group insurance do not apply.

revised 3/1/09

(back to index of frequently asked questions about COBRA coverage) provides help with COBRA issues

COBRA continuation coverage may provide temporary protection when changing jobs, going through a divorce or negotiating other life transitions. Choosing the right health insurance is crucial to protect your health and financial security.