Managed Benefits · Missouri
Missouri 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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Missouri Continuation, In Brief
| State law | Mo. Rev. Stat. section 376.428 (Federal COBRA provisions to apply to group health insurance policies) |
| Employers covered | group health insurance policies for persons NOT subject to federal COBRA/ERISA continuation (i.e., small employers below the federal COBRA threshold) |
| Maximum continuation | Up to 36 months |
| At 20 or more employees | Federal COBRA applies instead |
| Marketplace | Uses HealthCare.gov (federal marketplace; Missouri does not run its own state-based exchange). |
Source: Missouri statute and department of insurance (revisor.mo.gov). This page is general information, not legal advice.
Why It Lands On You
The Missouri 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 Missouri 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. Missouri 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. group health insurance policies for persons NOT subject to federal COBRA/ERISA continuation (i.e., small employers below the federal COBRA threshold)
Up to 36 months, subject to the state's early-termination rules such as non-payment of premium or becoming covered under another plan.
Employees or members whose group coverage would otherwise terminate due to termination of employment or membership may continue coverage (including eligible dependents) in the same manner as federal COBRA. Duration mirrors federal COBRA: 18 months for the employee (and dependents on termination or reduction in hours), and 36 months for dependents on death, divorce, or similar events.
No. Federal COBRA applies to employers with 20 or more employees, and the Missouri 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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