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Connecticut Health Insurance Continuation (COBRA): What you need to know

Connecticut healthcare insurance laws include several continuation and conversion provisions that duplicate and expand the requirements of the federal Consolidated Omnibus Budget Reconciliation Act (COBRA). The most important provisions provide that certain group healthcare plans include specific requirements for continuation of group coverage or conversion to an individual policy when coverage would otherwise terminate for the specified reasons. The biggest differences from federal COBRA are that Connecticut's requirements apply to all health plans and employers, with no minimum size requirement, and 30 months of continuation is required following a layoff, reduction of hours, leave of absence, or termination of employment. The state law requirements, however, apply only to insured plans and do not cover self-insured plans.
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Unlike federal law, most of Connecticut's requirements apply to all the specified plan types regardless of the number of individuals covered or the size of the employer. Because of the Employee Retirement Income Security Act (ERISA) preemption provision, the state requirements apply only to insured plans. Self-insured plans have to comply only with the federal law. The types of group healthcare plans covered by this requirement are:
• Basic hospital expense coverage
• Basic medical-surgical expense coverage
• Hospital confinement indemnity coverage
• Major medical expense coverage
• Hospital or medical service plan contract
• Hospital and medical coverage provided to subscribers of a healthcare center
The continuation and conversion requirements do not apply to the following types of group plans:
• Disability income protection coverage
• Accident-only ...

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Related Topics

More on this topic:

expand-collapse sectionState Continuation and Conversion Requirements
expand-collapse sectionCoverage
expand-collapse sectionContinuation for Injured and Ill Employees
expand-collapse sectionContinuation for the Totally Disabled upon Group Plan Termination
expand-collapse sectionContinuation in the Event of Plant Closings
expand-collapse sectionNotice Requirements
expand-collapse sectionConversion Requirements

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