Managed Benefits · Tennessee
Tennessee 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.
Your monthly estimate on screen - no call required
Tennessee Continuation, In Brief
| State law | Tenn. Code Ann. section 56-7-2312 (Continuation of terminated group coverage; conversion) |
| Employers covered | All fully-insured group hospital/surgical/major medical policies delivered or issued in Tennessee, regardless of employer size (applies to commercial insurers, nonprofit insurers, prepaid plans/HMOs, and state government employee plans). |
| Maximum continuation | Up to 15 months |
| At 20 or more employees | Federal COBRA applies instead |
| Marketplace | Uses the federal marketplace, HealthCare.gov (Tennessee does not run a state-based exchange). |
Source: Tennessee statute and department of insurance (codes.findlaw.com). This page is general information, not legal advice.
Why It Lands On You
The Tennessee 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 Tennessee 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. Tennessee 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. All fully-insured group hospital/surgical/major medical policies delivered or issued in Tennessee, regardless of employer size (applies to commercial insurers, nonprofit insurers, prepaid plans/HMOs, and state government employee plans).
Up to 15 months, subject to the state's early-termination rules such as non-payment of premium or becoming covered under another plan.
An employee or member continuously insured under the group policy for at least three months before termination (for any reason other than discontinuance of the group policy or an insured class). General continuation is the fractional policy month plus three additional months; for termination due to divorce or death of the insured spouse, the fractional month plus up to fifteen additional months.
No. Federal COBRA applies to employers with 20 or more employees, and the Tennessee 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.
Ready?
Answer a few questions, get your exact number in about 90 seconds. No call required, no commitment.
Your monthly estimate on screen - no call required
