COBRA in Pennsylvania

Pennsylvania has a mini-COBRA law for small employers, but it comes with more conditions attached than most states. It runs for nine months rather than eighteen, it can cost more in administrative fees, it covers medical only, and there is a disqualifier that catches a lot of households out.

Reviewed by Prodest Insurance Group, a licensed insurance agency (NPN 19515569) · Updated 20 October 2026 against Pennsylvania Insurance Department guidance and federal sources.

Prefer to talk? Call (888) 918-4516 · Monday to Friday, 10:00 a.m. to 5:30 p.m. Eastern

Pennsylvania Mini-COBRA Compared With Federal COBRA

Mini-COBRA comes from Act 2 of 2009 and covers employers with between two and nineteen employees.

	Federal COBRA	Pennsylvania mini-COBRA
Employer size	20 or more employees	Two to 19 employees
How long	18 months, up to 36 for some events	Nine months
Administrative fee	Up to 2 percent	Up to 5 percent
What continues	Medical, dental, and vision	Medical only. Dental and vision are not required to continue
Prior coverage needed	None	Three consecutive months before the qualifying event
Extensions	Disability and second qualifying event extensions available	None

The Disqualifier Most People Miss

If you could join a spouse's plan, mini-COBRA is closed to you

Pennsylvania mini-COBRA is not available to anyone who is covered by, or eligible for, other employer-based group coverage. That includes coverage you could join as a dependent on a spouse’s plan, even if you have not enrolled in it.

You are required to verify that you are not eligible for other group coverage. If your spouse’s employer offers a plan you could join, mini-COBRA is generally not an option, and joining that plan becomes your route instead.

Medical Assistance and CHIP are specifically excluded from this rule, so being eligible for either does not disqualify you.

Federal COBRA works differently. Being eligible for another group plan does not stop you electing COBRA, though becoming covered under one can end it.

Mini-COBRA is also unavailable to anyone covered by or eligible for Medicare.

Dental and Vision Do Not Carry Over

Federal COBRA continues whatever you had, including standalone dental and vision plans. Pennsylvania mini-COBRA only requires continuation of medical coverage.

If you had dental or vision through a small employer in Pennsylvania and you are relying on mini-COBRA, expect those to end. Standalone dental and vision policies are available separately and are usually inexpensive relative to medical cover.

Dental, vision and other supplemental coverage →

Health Insurance After Job Loss in Pennsylvania

Pennsylvania does not use HealthCare.gov. The state operates Pennie, its own health insurance exchange. Premium tax credits and cost-sharing reductions work the same way they do on the federal marketplace, and the cost of a plan is the same however you enrol.

Pennsylvania also expanded Medicaid, known here as Medical Assistance, so adults with household income up to 138 percent of the federal poverty level may qualify. There is no enrolment window for Medical Assistance or CHIP.

Losing job-based coverage opens a Special Enrollment Period, and you can generally enrol before your coverage ends so that a new plan starts as the old one stops. Given that mini-COBRA runs only nine months and cannot be extended, it is worth working out early whether a marketplace plan is the better route from the outset.

How Much Does COBRA Cost in Pennsylvania?

Federal COBRA lets a plan charge up to 102 percent of the full premium: everything your employer was paying, everything you were paying, plus two percent. Based on Pennsylvania's average employer premium in 2025, that works out to about $801 a month for single coverage and $2,263 a month for family coverage. That is about $34 a month more than the U.S. average of $767 for single coverage.

	Single coverage	Family coverage
Average full annual premium in Pennsylvania	$9,421	$26,623
Estimated COBRA cost per month (102%)	$801	$2,263

Estimate = average total employer premium in Pennsylvania × 1.02 ÷ 12, from the federal Medical Expenditure Panel Survey (2025). These are averages. Your exact premium depends on your former employer's plan and is listed on your COBRA election notice. If you are on state continuation instead of federal COBRA, the premium rules described on this page apply.

Compare COBRA costs in every state →
Estimate your own premium with the COBRA cost calculator →
Nearby states: Delaware · Maryland · New Jersey · New York · Ohio · West Virginia

Common Questions

How much is COBRA insurance in Pennsylvania?

About $801 a month for single coverage and $2,263 a month for family coverage, based on Pennsylvania's 2025 average employer premium plus the 2 percent administrative fee federal COBRA allows. Your actual premium depends on your former employer's plan and appears on your COBRA election notice.

What are my health insurance options after losing my job in Pennsylvania?

Pennsylvania does not use HealthCare.gov. The state operates Pennie, its own health insurance exchange. Premium tax credits and cost-sharing reductions work the same way they do on the federal marketplace, and the cost of a plan is the same however you enrol. Pennsylvania also expanded Medicaid, known here as Medical Assistance, so adults with household income up to 138 percent of the federal poverty level may qualify. There is no enrolment window for Medical Assistance or CHIP.

Does Pennsylvania have mini-COBRA?

Yes. It comes from Act 2 of 2009 and covers employers with between two and nineteen employees.

How long does Pennsylvania mini-COBRA last?

Nine months, with no disability or second qualifying event extensions.

How much does it cost?

The administrative fee can be up to 5 percent, compared with 2 percent under federal COBRA.

Does mini-COBRA continue dental and vision?

No. Only medical coverage is required to continue.

Can I use mini-COBRA if I could join my spouse's plan?

Generally no. Mini-COBRA is not available to anyone covered by, or eligible for, other employer-based group coverage, including as a dependent on a spouse's plan. Medical Assistance and CHIP are excluded from this rule.

Does Medicare affect eligibility?

Yes. Mini-COBRA is unavailable to anyone covered by or eligible for Medicare.

What are my other options in Pennsylvania?

Pennsylvania runs its own marketplace, Pennie, and expanded Medicaid, known as Medical Assistance, for adults with household income up to 138 percent of the federal poverty level.

Sources

Drawn from Pennsylvania Insurance Department guidance and federal sources. Your plan documents and the terms your carrier provides govern your specific situation.

Pennsylvania Insurance Department, COBRA and Mini-COBRA
Pennsylvania Insurance Department, Mini-COBRA Model Continuation Coverage Election Notice (PDF)
U.S. Department of Labor, FAQs on COBRA Continuation Health Coverage for Workers
Agency for Healthcare Research and Quality, Medical Expenditure Panel Survey Insurance Component, 2025

Talk to a licensed agent in Pennsylvania

A licensed agent can work out whether mini-COBRA is even open to you, what nine months of it would cost, and how that compares with a marketplace plan. No charge, no obligation.

Prefer to talk? Call (888) 918-4516 · Monday to Friday, 10:00 a.m. to 5:30 p.m. Eastern

This page is general information about Pennsylvania and federal continuation coverage, not advice about your specific situation. Eligibility for mini-COBRA depends on employer size, prior coverage, and whether other group coverage is available to you. Rules, pricing, and eligibility vary by employer, plan, carrier, and household. Review your plan documents and speak with a licensed agent about your circumstances.

This website provides educational information about health insurance and is a solicitation for insurance. It is a non-government website operated by Prodest Insurance Group, a health insurance agency that presents health plans, which may include Affordable Care Act (ACA) plans, private health insurance, short-term medical insurance, or supplemental insurance based on the consumer's selection. Qualified ACA plans must meet or exceed the essential benefit requirements of the Affordable Care Act; non-ACA plans are not required to provide all of the essential benefit requirements contained in the Affordable Care Act. Pre-existing condition provisions, benefit availability, limitations and exclusions vary by plan type and state. You should review all plan details and product brochures before purchase. To qualify for ACA health insurance coverage outside of the open enrollment period, you must meet special enrollment requirements.

*Eligibility for Affordable Care Act (ACA) Advance Premium Tax Credit (APTC) and cost-sharing reductions is based on annual federal income thresholds, household size, and plan availability within the applicable service area. Premium rates, plan availability, and subsidy amounts vary by state and marketplace. Final eligibility and premium obligations are determined by the Health Insurance Marketplace under Internal Revenue Code Section 36B and applicable federal regulations.

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