Mini-COBRA

A Mini-COBRA policy explains how eligible employees and covered dependents can continue group health coverage after a qualifying event under applicable state continuation laws, including notice requirements, election deadlines, coverage duration, and premium payment responsibilities.

How to Write a Mini-COBRA Policy

• Start with "why" and introduce the concept.
• Explain that state continuation coverage may let employees and dependents keep existing health-related benefits after a qualifying event.
• State that eligibility, coverage length, and procedures vary by state and by the benefit plan.
• Clarify that the individual continuing coverage pays the full premium and any permitted administrative fee.
• Describe that a written election notice explains rights, key steps, and required actions to continue coverage.
• Direct employees to your HR contact and the plan documents for details and state-specific guidance.
• List common qualifying events beyond job separation at a high level.
• Add a brief disclaimer that state law and plan documents control.

For advice on writing a Mini-COBRA policy in a specific jurisdiction, see below.