COBRA Insurance In New Hampshire
New Hampshire follows the federal Consolidated Omnibus Budget Reconciliation Act (COBRA), which is a law that allows certain individuals the right to continue their employer-sponsored health coverage for a limited period of time after a qualifying event such as the loss of a job, reduction in hours, or divorce. However, the state also has its own Mini-COBRA law that applies to employers with fewer than 20 employees, offering similar benefits to the federal COBRA law.
QUICK CHECK
COBRA Eligibility
Continuing Coverage In New Hampshire
Coverage For Pre-Existing Conditions
COBRA
Medicare
Nearing Retirement Age
New Hampshire Mini-COBRA Law
In New Hampshire, the following are considered qualifying events for eligibility for mini-COBRA: termination of employment, reduction in hours, death of the covered employee, divorce or legal separation from the covered employee, the loss of dependent status for children under the age of 26 and differently from Federal COBRA, if the employer declares bankruptcy.Â
These events must result in loss of employer-sponsored health insurance coverage for the individual to be eligible for mini-COBRA.
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Health Insurance For Pre-Existing Conditions In New Hampshire
If you’re someone in New Hampshire who needs regular doctor visits or takes a lot of prescription medication, holding onto your work health insurance can be a wise move.
This way, your insurance stays the same and you don’t have to start from scratch with new deductibles. Plus, your coverage just picks up where it left off, making it easy to keep receiving care without a gap.
Apply For COBRA
Employer Has 20+ Employees
As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.
You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.
Marketplace / Obamacare
A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.
The average plan premium in New Hampshire was $417 in 2023 according to moneygeek.com.
Medicare
After your workplace insurance ends, you’ll sign up for Medicare within 8 months.
In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.
Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.
COBRA Is Available in All 50 States
Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.
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