The David Fluker Health Insurance Agency
Gilroy, California
California License # 0B58920

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State Mini COBRA Programs Listing
Federal COBRA continuation is available to employees who leave groups which contain 20 or more employees. For groups under 20 employees, many states have created "mini-COBRA" programs to allow terminating employees to remain covered by the group health plan.

The table below shows those states which currently offer mini-COBRA continuation coverage, the group size effected, and the length of time that that state mini-COBRA program covers the former employee and their family. 38 states currently offer mini-COBRA benefits.

Please note that I cannot assist you with any Mini COBRA programs or information outside of California.  If you have questions regarding Mini COBRA plans in states other than California, they are best directed to your group health insurance carrier or broker.
Mini COBRA Programs By State

State		 Firm Size Covered Length of Program
Arkansas 2-19 4 Months
California 2-19 36 Months
Colorado 2-19 18 Months
Connecticut 2-19 18 Months*
Florida 2-19 18 Months
Georgia 2-19 3 Months
Illinois 2-19 9 Months
Iowa 2-19 9 Months
Kansas 2-19 6 Months
Kentucky 2-19 18 Months
Louisiana 2-19 12 Months
Maine 2-19 12 Months
Maryland 2-19 18 Months
Massachusetts 2-19 18 Months*
Minnesota 2-19 18 Months
Mississippi 2-19 12 Months
Missouri 2-19 9 Months
Nebraska 2-19 6 Months**
Nevada 2-19 18 Months*
New Hampshire 2-19 18 Months
New Jersey 2-19 18 Months
New Mexico 2-19 6 Months
New York 2-19 18 Months*
North Carolina 2-19 18 Months
North Dakota 2-19 39 Weeks
Ohio 10-19 6 Months
Oklahoma 2-19 1 Month
Oregon 2-19 6 Months
Rhode Island 2-19 18 Months
South Carolina 2-19 6 Months
South Dakota 2-19 18 Months*
Tennessee 2-19 3 Months
Texas 2-19 6 Months
Utah 2-19 6 Months
Vermont 2-19 6 Months
West Virginia 2-19 18 Months
Wisconsin 2-19 18 Months
Wyoming 2-19 12 Months
* In some cases can be extended to 36 months

** In some cases can be extended to 12 months
Source: Kaiser Family Foundation

This information is intended to be as accurate as possible. However, state mini-COBRA programs can and do change periodically. Please consult your state's Department of Labor for the most accurate and current rules regarding state mini-COBRA benefits
David J. Fluker, Licensed Life & Health Insurance Agent-Broker. California State License # 0B58920
Authorized Independent Agent-Broker Serving California Residents Representing All Carriers.
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