Managed Benefits · Wisconsin
Wisconsin 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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Wisconsin Continuation, In Brief
| State law | Wis. Stat. section 632.897 (Hospital and medical coverage for persons insured under individual and group policies) |
| Employers covered | Group health insurance policies issued to employers of any size. For employers with 20 or more employees, federal COBRA governs; Wisconsin continuation (Wis. Stat. 632.897) is the state-level requirement that reaches smaller employers below the federal COBRA. |
| Maximum continuation | Up to 18 months |
| At 20 or more employees | Federal COBRA applies instead |
| Marketplace | Uses the federal marketplace at HealthCare.gov; Wisconsin does not operate its own state-based ACA exchange. |
Source: Wisconsin statute and department of insurance (docs.legis.wisconsin.gov). This page is general information, not legal advice.
Why It Lands On You
The Wisconsin 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 Wisconsin 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. Wisconsin 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 issued to employers of any size. For employers with 20 or more employees, federal COBRA governs; Wisconsin continuation (Wis. Stat. 632.897) is the state-level requirement that reaches smaller employers below the federal COBRA.
Up to 18 months, subject to the state's early-termination rules such as non-payment of premium or becoming covered under another plan.
A person continuously covered under the group policy for at least 3 months who loses eligibility, including: an employee or member who would otherwise lose coverage; a former spouse whose coverage would end due to divorce or annulment; and the spouse or dependents of a member who dies while covered.
No. Federal COBRA applies to employers with 20 or more employees, and the Wisconsin 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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