Cal-COBRA

The California Continuation Benefits Replacement Act of 1997 (Cal-COBRA) requires insurance carriers and HMOs to provide COBRA-like coverage for employees of smaller employers (two to 19 employees) not covered by COBRA.

To be covered by Cal-COBRA, you must have employed two to 19 eligible employees on at least 50 percent of working days during the preceding calendar year. If not in business during any part of the preceding calendar year, you must have employed two to 19 eligible employees on at least 50 percent of working days during the preceding calendar quarter.​

  • Cal-COBRA Interaction with COBRA

    Cal-COBRA Interaction with COBRALarger employers (those with 20 or more employees) are also affected by Cal-Cobra.   More »

  • Cal-COBRA Qualified Beneficiary

    Cal-COBRA Qualified BeneficiaryCal-COBRA defines a "qualified beneficiary" as any individual who, on the day before the qualifying event, is an enrollee in a group benefit plan and experiences a qualifying event. ​  More »

  • Individuals Excluded From Cal-COBRA

    Individuals Excluded From Cal-COBRACal-COBRA does not apply to the following.  More »

  • Cal-COBRA and Domestic Partners

    Cal-COBRA and Domestic PartnersCal-COBRA treats registered domestic partners as qualified beneficiaries. If a registered domestic partner was a health plan participant on the day before a qualifying event, he/she would be entitled to continuation benefits.​  More »

  • Cal-COBRA Qualifying Events

    Cal-COBRA Qualifying EventsA "qualifying event" under Cal-COBRA means any of the following events that would result in a loss of coverage under the group benefit plan to a qualified beneficiary.  More »

  • Cal-COBRA Notice Requirements

    Cal-COBRA Notice RequirementsYou must notify the plan administrator, in writing, of any employee’s qualifying event within 30 days of the qualifying event. ​  More »

  • Cal-COBRA Cost

    Cal-COBRA CostA qualified beneficiary is required to pay no more than ...   More »

  • Cal-COBRA Length of Coverage

    Cal-COBRA Length of CoverageAll qualified beneficiaries are generally eligible for continuation coverage for 36 months after the date the qualified beneficiary’s benefits would otherwise have terminated.  More »