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Q:  If I am laid off and my company is less than 10 people, is my employer required to offer Cobra? 

 

 

A:   Most employers that do offer group health plans are required to comply with COBRA. Here is a list of those employers who do not have to comply.

1.  Government employers (they must comply with a similar law)
2.  Churches or church controlled employers
3.  Small business with less than 20 employees’

If your company has less than 20 employees than there plan called a mini COBRA plan that is offered to you by the state. COBRA is a federal law and does not apply to smaller companies. 

You need to contact your state Department of Insurance to find specific details regarding their Mini COBRA plan.

 


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