What is 'mini-COBRA'?

• A. A federal extension for large employers.
• B. A tax credit program.
• C. A state continuation coverage that applies to employees of smaller employers not covered by federal COBRA; durations vary by state.
• D. A temporary disability benefit.

Answer: (C)

Mini-COBRA is state continuation coverage for employees of smaller employers not covered by federal COBRA. Federal COBRA applies to larger employers (typically 20 or more employees); when a small employer doesn’t fall under federal COBRA, many states require their own continuation coverage rules—mini-COBRA. These state programs fill the gap, and the exact duration and qualification rules vary by state. That’s why this option is the best choice: it accurately describes mini-COBRA as state continuation coverage for small employers, with state-specific time limits. It’s not a federal extension for large employers, not a tax credit program, and not a temporary disability benefit.