Florida 2-15 Life, Health and Variable Annuity AgentFlorida Laws and Regulations Specific to Health InsuranceMedium
A Florida resident works for an employer that provides group health insurance. If the employer terminates the group health policy, what is the maximum period of continued coverage that must be offered to eligible employees under Florida's mini-COBRA law, assuming they are not eligible for federal COBRA?
- A29 months
- B18 months
- C36 months
- D12 months
Show answer & explanationAnswer & explanation
Correct answer: B. 18 months
Under Florida's mini-COBRA law (for groups not subject to federal COBRA), eligible employees must be offered continued coverage for a maximum of 18 months following the termination of the group health policy.
Why the other options are wrong
- A. 29 months is associated with federal COBRA for disability, not Florida's mini-COBRA general period.
- C. 36 months is associated with federal COBRA for certain qualifying events, not Florida's mini-COBRA general period.
- D. 12 months is incorrect; Florida's mini-COBRA provides for 18 months.
Florida Mini-COBRA Duration
Florida's mini-COBRA law requires employers (typically those with fewer than 20 employees) to offer continued group health coverage for a maximum of 18 months to eligible employees after a qualifying event.
- Applies to groups not subject to federal COBRA (usually <20 employees)
- Maximum 18 months of coverage
- Employee pays the full premium
Memory trick: Florida's mini-COBRA is 18 months, like a teenager's first taste of independence.