New Jersey COBRA Insurance
In addition to the federal COBRA insurance coverage, the state of New Jersey also offers an extended COBRA insurance plan for employees at companies with between 2-19 employees. This means that even if you do not meet the requirements for federal COBRA insurance, you may still be eligible for COBRA insurance coverage in New Jersey.
Eligibility: In order to be eligible for New Jersey COBRA insurance, you must have been covered by the employer group health insurance plan employment loss and have a qualifying event that entitles you to COBRA insurance. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in New Jersey. You are not eligible for New Jersey COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.
Signing Up: To sign up for the New Jersey COBRA insurance coverage, you must apply in writing after employment loss. You also must pay the COBRA premium in advance. Your employer and the group health insurer should provide you with an election notice for COBRA insurance when your employment ends, however you should immediately reach out to your insurer if you do not receive notification.
Length of Coverage: New Jersey COBRA insurance covers you for 18 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.
Termination: New Jersey COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of New Jersey COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.
For help signing up for New Jersey COBRA insurance, you may consider contacting the following state agencies.
New Jersey Department of Banking and Insurance
Consumer Assistance Services
P.O. Box 329
Trenton, NJ 08625
U.S. Department of Labor Employee Benefits Security Administration
New Jersey (northern)
New York Regional Office
33 Whitehall Street, Suite 1200
New York, NY 10004
New Jersey (southern)
Philadelphia Regional Office
170 S Independence Mall West, Suite 870 West
Philadelphia, PA 19106-3317
Frequently Asked Questions
Can I keep the same health insurance plan with COBRA insurance?
That is exactly what COBRA insurance is for. COBRA insurance actually refers to the law that was passed in 1985 and not to a specific type of insurance. The law allows you to keep your current health insurance plan as long as you meet federal requirements which means that yes, you can and will keep the exact same health insurance plan.
Can I use COBRA insurance more than once?
COBRA insurance laws apply each and every time you leave a job and meet the COBRA insurance eligibility requirements. That means that you can be eligible for COBRA insurance multiple times in your life as long as you meet the federal or state requirements.
Is it hard to find a new doctor if I sign up for COBRA insurance?
Since COBRA insurance is just the law that allows you to continue to maintain your group health insurance plan, finding a doctor will be the exact same as it was on the plan you had while you were working. Remember COBRA just allows you to keep that plan. This means that you can keep all the same doctors and finding a new doctor falls under the same restrictions as it did while you were employed.
How do I know if my state offers state sponsored COBRA insurance?
Unfortunately not every state offers extended COBRA insurance plans. To learn whether or not your state offers COBRA insurance plans, please visit the COBRA Insurance by State Section and select your state.
Who is eligible for COBRA insurance in my family?
If you are a covered employee under the COBRA insurance law, then generally anyone who was previously covered in your health plan will continued to be covered if you elect COBRA medical insurance. These generally includes your spouse, children, and any other dependents.
Can I apply for COBRA insurance if I quit my job?
One of the great things about the COBRA law is that you are entitled to continue your coverage whether you lost your job voluntarily or involuntarily. This means that even if you quit your job, you and your family can still receive COBRA insurance benefits.
How do I apply for state sponsored COBRA insurance?
Every state has a specific application process to receive state sponsored COBRA insurance. Generally, you will need to request an election form from your employer and will have between 14-60 days to submit your form and pay the initial premium. On this form, you will have to prove that you are eligible and provide personal information for everyone you wish to remain on the plan under COBRA.
What is state sponsored COBRA insurance?
State sponsored COBRA generally looks identical to the federal COBRA insurance coverage but applies to more people than the federal law. It allows someone to extend their group health insurance coverage after losing their job for a specified period of time. This time period varies from state to state. Also, the cost varies from state to state.
Can I sign up for COBRA insurance if I quit my job?
Yes! Under COBRA insurance you can sign up for COBRA insurance if you leave your job voluntarily (i.e. quitting) or involuntarily (i.e. being laid off). You will need to complete the COBRA insurance enrollment form which should be provided by your employer.
Can my COBRA insurance premiums change?
Yes. Since COBRA insurance is just a continuation of your group health insurance plan, any changes to that plan, including an increase or decrease in premium costs, will also affect your premium cost under COBRA insurance. Your bill will reflect any changes in costs for the premium. COBRA insurance premiums cannot be locked in at any point.