Managed Benefits · Arkansas
Arkansas is a mini-COBRA state: smaller employers must let departing employees keep group coverage under state law. BEG Managed Benefits, powered by isolved, runs the notices, elections, and premium tracking so the rules are handled. You keep your broker; we do the administration.
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Arkansas Continuation, In Brief
| State law | Ark. Code section 23-86-114 (Continuation of coverage beyond termination of employment, change in marital status) |
| Employers covered | applies to group accident and health policies providing hospital, surgical, or major medical coverage (not limited to sub-20 employers); functions as state continuation, generally used where federal COBRA does not apply |
| Maximum continuation | Up to 4 months |
| At 20 or more employees | Federal COBRA applies instead |
| Marketplace | State-based marketplace on the federal platform: Arkansas Health Insurance Marketplace (My Arkansas Insurance); consumers historically enroll via HealthCare.gov. |
Source: Arkansas statute and department of insurance (law.justia.com). This page is general information, not legal advice.
Why It Lands On You
The Arkansas rule reaches companies too small to have a benefits department, yet the notices, election windows, and premium tracking look a lot like federal COBRA. Miss a required notice and the exposure accrues per person. BEG Managed Benefits, powered by isolved, runs Arkansas continuation the same way it runs enrollment: notices generated on the qualifying event, elections and payments tracked, and the clock watched so nothing slips. Your broker keeps advising you and placing coverage. We own the administration behind it.
Your monthly estimate on screen - no call required
See COBRA vs mini-COBRA, or return to the Managed Benefits overview.
Questions
Yes. Arkansas has a state continuation, or mini-COBRA, law that lets employees of smaller companies keep group health coverage after a qualifying event, filling the gap below the federal COBRA threshold of 20 employees. applies to group accident and health policies providing hospital, surgical, or major medical coverage (not limited to sub-20 employers); functions as state continuation, generally used where federal COBRA does not apply
Up to 4 months, subject to the state's early-termination rules such as non-payment of premium or becoming covered under another plan.
A certificate holder, member, or spouse (and eligible dependents) continuously insured under the group policy for the 3-month period before the qualifying event whose coverage would otherwise terminate due to termination of employment/membership or a change in marital status may continue coverage. Continuation ends at the earliest of 120 days after it begins, Medicare eligibility, or policy.
No. Federal COBRA applies to employers with 20 or more employees, and the Arkansas law covers the smaller groups federal COBRA does not reach. A company is generally subject to one or the other based on size.
The employer and insurer carry the notice and election duties, and the exposure accrues per person if they are missed. BEG Managed Benefits, powered by isolved, runs enrollment, notices, election tracking, and premium status in one system. You keep your broker; we do the administration.
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