Comprehensive COBRA Insurance Information

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Pennsylvania COBRA Insurance

In addition to the federal COBRA insurance coverage, the state of Pennsylvania also offers an extended COBRA insurance plan for employees at companies with less than 20 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 Pennsylvania. This law is called Pennsylvania Mini COBRA insurance or Pennsylvania COBRA.

Eligibility: In order to be eligible for Pennsylvania Mini COBRA coverage, you must have been covered by the employer group health insurance plan at the time employment ended or the qualifying event occurred. You also can not qualify for federal COBRA insurance. As with federal COBRA laws, your beneficiaries are also eligible for COBRA insurance in Pennsylvania. You are not eligible for Pennsylvania Mini COBRA insurance if you are eligible for Medicare or if you qualify for another group health insurance plan.

Signing Up: To sign up for Pennsylvania Mini COBRA insurance coverage, your employer or insurance provider must notify you within 30 days that you are eligible for Pennsylvania Mini COBRA insurance. You then have 30 days to sign up. Florida Mini COBRA insurance, unlike federal COBRA insurance, is handled individually by the health insurance provider, therefore each insurer may have slightly different forms and specific sign up requirements. You can always contact the health insurance provider for support in completing these forms.

Length of Coverage: Pennsylvania Mini COBRA insurance covers you for 9 months from the day your group health insurance plan stopped coverage. This applies to former employees, spouses, and dependents.

Cost: Pennsylvania Mini COBRA insurance costs are based on the insurance premium cost under the group insurance plan you participated in as an employee. Depending on your employer, they may have paid the entire premium or part of the premium. Under Pennsylvania Mini COBRA insurance benefits, you will be responsible for paying the 105% of the premium. Although this may seem high, it is still significantly less than you would pay for similar heath insurance coverage if you bought individual health insurance. It is also important to know that when you sign up for Pennsylvania Mini COBRA insurance, you will be responsible for any monthly premiums retroactively since the date of employment loss since the coverage covers that entire period.

Termination: Pennsylvania Mini COBRA insurance can be terminated for a variety of reasons. The most common reasons for termination of Pennsylvania Mini COBRA insurance coverage is failure to pay premiums, termination of the group health insurance plan by the employer.

For help signing up for Pennsylvania MIni COBRA insurance, you may consider contacting the following state agencies.

Pennsylvania Department of Insurance
Office of Consumer and Producer Services
1209 Strawberry Square
Harrisburg, PA 17120
Phone: 717-787-6174
Fax: 717-787-8585
http://www.ins.state.pa.us/

U.S. Department of Labor Employee Benefits Security Administration
Philadelphia Regional Office
170 S Independence Mall West, Suite 870 West
Philadelphia, PA 19106-3317
Phone: 215-861-5300
Fax: 215-861-5347
http://www.dol.gov/ebsa/

Frequently Asked Questions

I signed up for COBRA insurance but never paid the premium because it is too expensive, am I still covered?

Since you didn't pay the premium, you are no longer covered under the COBRA insurance continuation law with your group health insurance policy. However, if 30 days haven't passed and now you want COBRA insurance, you can still pay the premium and keep your coverage. If you need to explore additional health insurance options, you will want to learn about cobra health insurance alternatives.

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.

Are my children covered under COBRA insurance laws?

If your children were covered under your previous health insurance policy and you qualify for COBRA insurance so you can continue to receive your group health insurance, then your children will be covered as well in almost all cases. You can check by looking at your COBRA insurance election form or contacting your health insurance administrator.

Are my COBRA insurance premium payments tax deductible?

It all depends on your health insurance plan and your current income and taxes. Unfortunately there is no simple answer here. The easiest way to find out if your health insurance premiums under COBRA is to contact your health insurance administrator or reach out to the IRS or a specialized tax agent.

Can I get COBRA insurance if I worked for a small company?

It depends on the size of your company and the number of employees covered under their insurance plan (either full time or their part time equivalents. Federal COBRA insurance only applies to companies who cover at least 20 employees. However, many states have created their own COBRA insurance laws to offer extended coverage to employees at companies with between 2-19 employees. Learn more about state sponsored COBRA insurance.

Is there a cap to the amount COBRA insurance premiums cost?

Unfortunately under the current COBRA insurance laws, there is no cap to the cost of COBRA insurance premiums. The premium is calculated based on the current cost of the group health insurance premium at your company plus the 2% administration fee.

I just had a baby, can I add him/her to my COBRA insurance plan?

It all depends on the health insurance policy that you chose to continue under the COBRA insurance law. Each group health insurance company has different policies so you will want to call your insurance provider. Under most policies you will be allowed to add your baby once you give birth.

How many days do I have to elect COBRA insurance?

Under the current law, you have 60 days to decide if you want to elect COBRA insurance. During that time it is important that you explore all of your options to make sure that is the right plan for you. The exact date that you need to make an enrollment decision will be listed on your COBRA insurance election form.

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.

Does COBRA insurance qualify as creditable coverage?

Yes - electing to continue your health insurance coverage with COBRA insurance, will qualify as creditable coverage (under the HIPAA) law. Creditable coverage helps ensure that you are not excluded from a health insurance policy in the future due to a preexisting condition.

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