# Illinois — State employment law headcount triggers that deviate from federal thresholds

For Illinois, law category is continuation coverage; state law name is Illinois Mini-COBRA; state threshold is Fewer than 20; federal threshold is 20; key differences is shorter duration (12 months vs 18 months), applies to insured health plans only (not self-funded), recorded from its source on 2026-08-14.

- **State:** Illinois _(verified: appears in the quote below)_
- **Law category:** continuation coverage _(our reading, not quoted from the source)_
- **State law name:** Illinois Mini-COBRA
- **State threshold:** Fewer than 20 _(verified: appears in the quote below)_
- **Federal threshold:** 20 _(verified: appears in the quote below)_
- **Key differences:** shorter duration (12 months vs 18 months), applies to insured health plans only (not self-funded)
- **Coverage / scope:** Up to 12 months _(verified: appears in the quote below)_

## What the source says

> Illinois Employer Size: Fewer than 20 employees Duration: Up to 12 months Premium: Up to 102% of the group rate Key Detail: Applies to insured health plans only (not self-funded). The shorter duration means employers must be precise in notices about the coverage window.

## Source

- https://hrcertification.com/blog/state-mini-cobra-laws-2026-biid1000358

Last verified: 2026-08-14. Review by: 2027-02-10.
Part of [State employment law headcount triggers that deviate from federal thresholds](https://referencesource.org/state-employment-law-headcount-triggers/).