The Colorado rule in one paragraph
Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months.
What to do: Compare the COBRA quote against a marketplace subsidy inside the same 60-day window. The subsidy route is frequently cheaper.
Reported rule — confirm with the agency
Colorado CDLE (Wage Payment & Collection Act)
Summarized as a rule category, not a citation. The state agency publishes the current text, and plan language can be stricter than the floor.
COBRA & State Continuation across all 50 covered states
| State | Rule category | Rule page |
|---|---|---|
| Alabama | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Alabama COBRA rule |
| Alaska | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Alaska COBRA rule |
| Arizona | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Arizona COBRA rule |
| Arkansas | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Arkansas COBRA rule |
| California | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | California COBRA rule |
| Colorado | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Colorado COBRA rule |
| Connecticut | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Connecticut COBRA rule |
| Delaware | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Delaware COBRA rule |
| District of Columbia | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | District of Columbia COBRA rule |
| Florida | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Florida COBRA rule |
| Georgia | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Georgia COBRA rule |
| Hawaii | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Hawaii COBRA rule |
| Idaho | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Idaho COBRA rule |
| Illinois | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Illinois COBRA rule |
| Indiana | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Indiana COBRA rule |
| Iowa | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Iowa COBRA rule |
| Kansas | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Kansas COBRA rule |
| Kentucky | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Kentucky COBRA rule |
| Louisiana | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Louisiana COBRA rule |
| Maine | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Maine COBRA rule |
| Maryland | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Maryland COBRA rule |
| Massachusetts | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Massachusetts COBRA rule |
| Michigan | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Michigan COBRA rule |
| Minnesota | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Minnesota COBRA rule |
| Mississippi | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Mississippi COBRA rule |
| Missouri | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Missouri COBRA rule |
| Montana | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Montana COBRA rule |
| Nebraska | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Nebraska COBRA rule |
| Nevada | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Nevada COBRA rule |
| New Hampshire | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | New Hampshire COBRA rule |
| New Jersey | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | New Jersey COBRA rule |
| New Mexico | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | New Mexico COBRA rule |
| New York | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | New York COBRA rule |
| North Carolina | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | North Carolina COBRA rule |
| North Dakota | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | North Dakota COBRA rule |
| Ohio | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Ohio COBRA rule |
| Oklahoma | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Oklahoma COBRA rule |
| Oregon | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Oregon COBRA rule |
| Pennsylvania | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Pennsylvania COBRA rule |
| South Carolina | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | South Carolina COBRA rule |
| South Dakota | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | South Dakota COBRA rule |
| Tennessee | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Tennessee COBRA rule |
| Texas | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Texas COBRA rule |
| Utah | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Utah COBRA rule |
| Vermont | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Vermont COBRA rule |
| Virginia | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Virginia COBRA rule |
| Washington | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Washington COBRA rule |
| West Virginia | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | West Virginia COBRA rule |
| Wisconsin | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Wisconsin COBRA rule |
| Wyoming | Federal COBRA gives 60 days to elect from the date coverage ends or from the notice. Employers under 20 people often fall under state continuation law, and some states extend coverage past 18 months. | Wyoming COBRA rule |
Rows are rule categories. Confirm the current text with the state wage and hour agency before quoting it in a letter or a filing.
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