Employees Health Insurance · Continuation Coverage
🛡️ Cal-COBRA vs. COBRA
🤝 When someone moves on, the right answer protects them and you.
Every departure brings the same question: what happens to their coverage? 📋 Federal COBRA and California’s Cal-COBRA cover different group sizes and have different rules. 🤔 Which one applies to your company? ✅ Getting it right keeps former employees covered and keeps your business clean. I’m Matthew Reilly, a licensed agent helping California employers sort this out.
💬 Overheard in the back office
👨⚕️ “That’s HR’s problem.” 🤷♂️
👩⚕️ “And HR’s thinks it’s payroll problem. 🔄 What if one setup made everyone’s life easier for both of them? Feed two birds with one seed.” 🐦🐦
⚖️ Which one applies to my company?Group Size
Federal COBRA generally applies to employers with 20 or more employees. Cal-COBRA generally applies to insured group plans with 2 to 19 employees. Cal-COBRA can also extend coverage for some people after federal COBRA ends.
Where does your headcount land today?
📅 Pick a Time to Confirm Which Rules Fit Your Group⚖️ Stay Ahead of Compliance
👨⚕️ “ACA, Cal-COBRA, ERISA. The rules change. You stay ahead.”
👩⚕️ “Vetted TPA and compliance partners, plus expert-reviewed HR and legal resources, keep you informed all year. Who on your team tracks those mandates today?”
🛡️ Talk Compliance Support: Know Where Your Plan Stands📨 Who sends the notices?Paperwork
With federal COBRA, the employer or its plan administrator usually handles notices. With Cal-COBRA, the carrier usually handles them, but the employer still has to tell the carrier when someone leaves. Each step has its own deadline.
Who at your company tells the carrier when someone moves on?
📋 Pick a Time to Set Up a Simple Departure Checklist🔀 Do former employees have other options?Alternatives
Losing job-based coverage usually opens a special enrollment period for an individual plan, and some people qualify for financial help. I can walk them through both. See what happens when group coverage ends →
📊 Request a Group Quote and Get Your Departure Plan Mapped Out