The federal COBRA law applies to companies with 20 or more employees. If you are let go, your hours reduced or have another qualifying event that triggers a COBRA open enrollment period, your employer must offer you a continuation of the same health benefits that you had that when you were employed.
Texas Has Mini-COBRA Insurance Law
The federal COBRA benefit is available for up to 18 months or 36 months depending on the reason. In Texas, you have additional rights for continuing former employers group health plan. If you work for a company that provides insurance benefits with less than 20 employees, the Texas State Continuation law allows for nine months of coverage of the same health plan. Additionally, if you have used all 18 months of federal COBRA, Texas law extends coverage for an additional six months thereafter.
Affordable Temporary Health Insurance
If you are fairly healthy and still want to remain insured, alternatives to COBRA insurance may be available based on where you live. Short-term health insurance is a popular option and available in most States. This can protect you from high medical costs of new injuries or new illnesses that unexpectedly occur while allowing you to use any licensed doctor.Coverage is available up to $1 million per person. For more information and pricing, you can call us at 1-877-262-7241 or complete a free quote online.