COBRA Minimum Eligibility Rules
Some states require employees to be active on benefits for a minimum number of months or days prior to moving to part-time or being terminated to be eligible for State COBRA. Other states may only require the employee to be enrolled on the day of the COBRA event, in other words, enrolled for one day, to be eligible for State COBRA.
Below table lists the minimum eligibility rules for State COBRA. To be eligible for COBRA in
the states listed below, the time between the employee's benefits effective date to their
benefits termination date must be greater than the number listed in the Minimum Days
Enrolled column for their state. This applies only to companies that are classified as State
COBRA.
| State | Minimum Days Enrolled | Lines of Coverage for Minimum Eligibility | Administrator |
|
Arizona |
90 |
Medical, Dental, Vision |
COBRA Complete |
|
Arkansas |
90 |
Medical |
|
|
California |
1 |
Medical, Dental, Vision |
|
|
Colorado |
180 |
Medical, Dental, Vision |
COBRA Complete |
|
Connecticut |
1 |
Medical |
COBRA Complete |
|
Delaware |
90 |
Medical |
COBRA Complete |
|
District of Columbia |
1 |
Medical |
COBRA Complete |
|
Florida |
1 |
Medical |
|
|
Georgia |
180 |
Medical |
COBRA Complete |
|
Illinois |
90 |
Medical |
COBRA Complete |
|
Iowa |
90 |
Medical |
COBRA Complete |
|
Kansas |
90 |
Medical |
|
|
Kentucky |
90 |
Medical |
|
|
Louisiana |
90 |
Medical |
COBRA Complete |
Maine |
180 |
Medical |
COBRA Complete |
|
Maryland |
90 |
Medical |
COBRA Complete |
|
Massachusetts |
1 |
Medical |
COBRA Complete |
|
Minnesota |
1 |
Medical |
COBRA Complete |
|
Mississippi |
90 |
Medical |
|
|
Missouri |
1 |
Medical, Dental, Vision |
COBRA Complete |
|
Nebraska |
1 |
Medical |
|
|
New Hampshire |
1 |
Medical, Dental |
COBRA Complete |
|
New Jersey |
1 |
Medical |
COBRA Complete |
|
New Mexico |
1 |
Medical |
COBRA Complete |
|
New York |
1 |
Medical |
COBRA Complete |
|
North Carolina |
90 |
Medical |
COBRA Complete |
|
North Dakota |
90 |
Medical |
COBRA Complete |
|
Ohio |
90 |
Medical |
COBRA Complete |
|
Oklahoma |
180 |
Medical |
|
|
Oregon |
90 |
Medical, Dental, Vision |
COBRA Complete |
|
Pennsylvania |
90 |
Medical |
COBRA Complete |
|
Rhode Island |
1 |
Medical, Dental, Vision |
|
|
South Carolina |
180 |
Medical |
COBRA Complete |
|
South Dakota |
1 |
Medical |
COBRA Complete |
|
Tennessee |
90 |
Medical |
COBRA Complete |
|
Texas |
90 |
Medical |
COBRA Complete |
|
Utah |
90 |
Medical, Dental, Vision |
COBRA Complete |
|
Vermont |
90 |
Medical, Dental |
COBRA Complete |
|
Virginia |
90 |
Medical |
COBRA Complete |
|
West Virginia |
1 |
Medical |
COBRA Complete |
|
Wisconsin |
90 |
Medical |
COBRA Complete |
For the companies that are classified as Federal COBRA, employees simply need to be enrolled on the day of the COBRA event to be eligible for COBRA, in other words, enrolled for one day.