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Health insurance continuation coverage — Virginia

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that requires that most employers extend group health plan privileges to employees who would otherwise lose coverage.

Consolidated Omnibus Budget Reconciliation Act

All employers who maintain a group health plan are subject to COBRA rules unless either:

  1. The employer employed fewer than 20 employees (counting full- and part-time) on at least 50% of its typical business days during the previous pay period. Part-time employees are counted as partial employees. Also, for purposes of the 20-employee threshold, employees of all companies that are in a controlled group with the employer must be counted.

  2. The employer is a governmental entity or a religious organization. (However, governmental employers may be subject to similar rules under the Public Health Services Act.)

COBRA covers only group healthcare plans, including the following:

  • medical
  • dental
  • vision
  • prescription drugs
  • health maintenance organizations
  • healthcare flexible spending accounts (these plans are subject to special limitations under the COBRA rules).

Disability income plans...


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