Understanding Cal-COBRA

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  2. USA State COBRA Rules
  3. California
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In California, individuals who lose job-based health coverage can opt for COBRA, which allows them to continue their employer’s plan at full cost. However, California also offers a state continuation program known as Cal-COBRA, which applies to employers with fewer than 20 employees.

COBRA Costs an Average of $728 per Month in California

In California, if you choose to continue your work health insurance you will be responsible for the full premium, including the portion previously paid by your employer.

Applying for Mini-COBRA in California

The California Continuation Law may allow you to keep your employer-sponsored health insurance if your employer has 20 or more fewer full-time workers participating in the company health plan.

To continue your work health plan, you will need to apply through your employer or a third-party administrator responsible for managing COBRA benefits.

Helpful Resources in California

Alternative Low Cost Medical Plans in California

Continuing an employer plan in California with Mini-COBRA is around $728/mo, per individual. If COBRA is unavailable or is outside of your budget, you do have affordable other options for health coverage. See below.

The cost of health insurance is determined by your age and state of residency.

Basic Health Solution
Virtual Doctor Visits, Prescription Savings
Access Teladoc telehealth, prescription savings, and identity theft protection.
Accident-Only Insurance
Up to $1 Million Coverage
Covers accidental injuries and includes Teladoc. Starting at $40/mo.
Limited Indemnity
Fixed-Benefit Plan
Pays fixed benefits for covered medical events. Includes Teladoc.
Telehealth Only
$19.95 per month
Physicians available for common issues and prescription refills.
Vision Insurance
Nationwide Network
Annual exams, frame or contact allowances, nationwide provider network.
Dental Insurance
PPO Access
Access 471,000 PPO points. Covers 300-plus dental procedures nationwide.

Pre-Existing Conditions Coverage in California

Residents of California must apply for ACA health coverage through the state exchange.

All plans available through the exchange meet federal ACA standards. They include coverage for pre-existing conditions and essential health benefits such as doctor visits, hospital care, emergency services, surgery, maternity care, mental health treatment and prescription drugs. Visit: www.coveredca.com

Budget-Friendly Health Coverage Solutions to California Mini-COBRA

In California you can bridge a gap using one of the following plans:

Health Continuation Laws by State