COBRA Continuation of Benefits (Cal-COBRA) in California (CA)

California State law provides an expansion of continuation of benefits coverage for Federal COBRA beneficiaries enrolled in California health plans. Cal-COBRA's extension of Federal COBRA coverage applies to employers who have 2 to 19 employees, or "small group employers."

Pursuant to California Health Safety Code §§ 1373.62, 1373.6, and California Insurance Code § 12671 the California law extends benefits to former employees who lose their healthcare coverage in:

  1. companies with 2- 19 employees, which are not subject to federal COBRA regulations
  2. companies with 20 or more employees who have exhausted their federal COBRA benefits, there is an extension of these benefits up to 36 months...

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Dependent Status and Health Insurance

Under the federal Patient Protection and Affordable Care Act (Health Care Reform), group health plans that offer dependent coverage must make the coverage available until a child reaches the age of 26. There is a temporary exception for grandfathered group health plans, which may exclude adult children who are eligible to enroll in an employer-sponsored health plan other than the group health plan of the parent. This exception will no longer be available for plan years beginning on or after January 1, 2014.

Individual states may have requirements that are more favorable to plan participants. For information about your state, please click here and contact your state insurance department for guidance.

Please Note: The state laws summaries featured on this site are for general informational purposes only. State laws change frequently and, as such, we cannot guarantee the accuracy or completeness of the information featured in the State Laws section. For more detailed information regarding state laws, please contact your state labor department.