2013 CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Households with Savings Accounts

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Change in Consumers with Subprime Credit

Change in Average Credit Card Debt

Businesses & Jobs

Housing & Homeownership

Health Care

Education

CFED Assets & Opportunity Scorecard

Expanded COBRA Coverage

Reports & Graphics

Definition

States that expand temporary group continuation health insurance coverage to employees in firms with fewer than 20 employees who are not covered by the federal Consolidated Omnibus Budget Reconciliation Act (COBRA), and the maximum duration of that coverage, 2010.

Description

When employees lose their jobs, they are able to continue their employer-sponsored health coverage for up to 18 months through the implementation of COBRA in 1985. However, this federal law does not cover all employees; only individuals who worked for a company with the equivalent of 20 or more full-time workers are eligible. In order to protect the health insurance coverage of employees of small businesses, states should enact legislation that extends eligibility for continuation coverage to employees in firms that are too small to offer COBRA. Coverage under these state continuation programs (sometimes referred to as Mini-COBRA) may differ in duration, restrictions and eligibility from the coverage provided to workers under the federal law.

The American Recovery and Reinvestment Act of 2009 (ARRA) expanded the federal COBRA Continuation Coverage to provide a 65% federal subsidy toward an eligible worker's COBRA premium for up to nine months. This federal subsidy was available for both federal COBRA continuation coverage and for Mini-COBRA state continuation coverage programs providing comparable coverage.

For more detailed information on consumer protections in any state, see Georgetown University's Health Policy Institute’s Consumer Guides For Getting and Keeping Health Insurance.

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Expanded COBRA Coverage

StateDid states expand
COBRA coverage for
small firm employees? 1
Alabama  No 
Alaska  No 
Arizona  No 
Arkansas  Yes (4 months) 
California  Yes (36 months) 
Colorado  Yes (18 months) 
Connecticut  Yes (36 months) 
Delaware  No 
District of Columbia  Yes (15 months) 
Florida  Yes (29 months) 
Georgia  Yes (9 months) 
Hawaii  No 
Idaho  No 
Illinois  Yes (24 months) 2
Indiana  No 
Iowa  Yes (9 months) 
Kansas  Yes (18 months) 
Kentucky  Yes (18 months) 
Louisiana  Yes (12 months) 2
Maine  Yes (12 months) 
Maryland  Yes (18 months) 2
Massachusetts  Yes (36 months) 
Michigan  No 
Minnesota  Yes (36 months) 
Mississippi  Yes (12 months) 
Missouri  Yes (18 months) 2
Montana  No 
Nebraska  Yes (12 months) 
Nevada  Yes (36 months) 
New Hampshire  Yes (36 months) 2
New Jersey  Yes (36 months) 3
New Mexico  Yes (6 months) 
New York  Yes (36 months) 
North Carolina  Yes (18 months) 
North Dakota  Yes (36 months) 4
Ohio  Yes (12 months) 
Oklahoma  Yes (6 months) 5
Oregon  Yes (9 months) 2
Pennsylvania  Yes (9 months) 
Rhode Island  Yes (18 months) 
South Carolina  Yes (6 months) 
South Dakota  Yes (36 months) 
Tennessee  Yes (15 months) 
Texas  Yes (36 months) 
Utah  Yes (12 months) 
Vermont  Yes (18 months) 
Virginia  No 
Washington  No 
West Virginia  Yes (18 months) 
Wisconsin  Yes (18 months) 
Wyoming  Yes (12 months) 

Source

“Consumer Guides For Getting and Keeping Health Insurance.” Washington, DC: Georgetown University, Health Policy Institute, 2010. Data provided by the Kaiser Family Foundation, statehealthfacts.org.

Footnotes

1. The data provided is the maximum number of months of continuation coverage; actual duration of state continuation coverage may be less depending on the circumstances and qualifying event.

2. For certain individuals (generally 55 and older) following certain qualifying events, continuation coverage is extended to the time when the individual is eligible for Medicare.

3. In New Jersey, under some circumstances, an individual considered "disabled" may continue coverage until they are no longer considered disabled.

4. In North Dakota, except in the case of divorce, continuation coverage lasts 39 weeks. In the case of divorce, continuation coverage can last up to 36 months.

5. Information applies to non-HMO plans.

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