Mini COBRA insurance laws

State COBRA expansion programs extend coverage to employees in firms with fewer than 20 workers who are not covered by COBRA, the federal law. These local state programs are referred to as Mini COBRA (Mini-COBRA, MiniCOBRA) or state continuation plans. Coverage under these state continuation programs may differ in duration, restrictions, and eligibility from the coverage provided to workers under the federal law.

Following is each state and if they offer a Mini COBRA plan and what are the terms:

STATE	Continuation (Y/N)	Terms
Alabama	No expansion	N/A
Alaska	No expansion	N/A
Arizona	No expansion	N/A
Arkansas	Yes	Duration: 120 days
California	Yes	Duration: 18 months
Colorado	Yes	Duration: 18 months
Connecticut	Yes	Duration: 18 months
Delaware	No expansion	N/A
District of Columbia	No expansion	N/A
Florida	Yes	Duration: 18 months
Georgia	Yes	Duration: 3 months
Hawaii	No expansion	N/A
Idaho	No expansion	N/A
Illinois	Yes	Duration: 9 months
Indiana	No expansion	N/A
Iowa	Yes	Duration: 9 months
Kansas	Yes	Duration: 6 months
Kentucky	Yes	Duration: 18 months
Louisiana	Yes	Duration: 12 months
Maine	Yes	Duration: 12 months
Maryland	Yes	Duration: 18 months
Massachusetts	Yes	Duration: 18 months
Michigan	Yes	N/A
Minnesota	Yes	Duration: 18 months
Mississippi	Yes	Duration: 12 months
Missouri	Yes	Duration: 9 months
Montana	No expansion	N/A
Nebraska	Yes	Duration: 6 months
Nevada	Yes	Duration: 18 months
New Hampshire	Yes	Duration: 18 months
New Jersey	Yes	Duration: 12 months
New Mexico	Yes	Duration: 6 months
New York	Yes	Duration: 18 months
North Carolina	Yes	Duration: 18 months
North Dakota	Yes	Duration: 39 weeks
Ohio	Yes	Duration: 6 months
Oklahoma	Yes	Duration: 30 days in some cases
Oregon	Yes	Duration: 6 months
Pennsylvania	No expansion	N/A
Rhode Island	Yes	Duration: 18 months in some cases
South Carolina	Yes	Duration: 6 months
South Dakota	Yes	Duration: 18 months
Tennessee	Yes	Duration: 3 months
Texas	Yes	Duration: 6 months
Utah	Yes	Duration: 6 months
Vermont	Yes	Duration: 6 months
Virginia	No expansion	N/A
Washington	No expansion	N/A
West Virginia	Yes	Duration: 18 months
Wisconsin	Yes	Duration: 18 months
Wyoming	Yes	Duration: 12 months

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