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

For New York, law category is continuation coverage; state law name is New York Mini-COBRA; state threshold is Fewer than 20; federal threshold is 20; key differences is applies to all insured group health plans regardless of employer size, extends coverage beyond federal COBRA period for employers with 20+ employees, longer duration (36 months vs 18 months), lower premium cap (102% vs no federal cap), recorded from its source on 2026-08-14.

- **State:** New York _(verified: appears in the quote below)_
- **Law category:** continuation coverage _(our reading, not quoted from the source)_
- **State law name:** New York Mini-COBRA
- **State threshold:** Fewer than 20 _(verified: appears in the quote below)_
- **Federal threshold:** 20 _(verified: appears in the quote below)_
- **Key differences:** applies to all insured group health plans regardless of employer size, extends coverage beyond federal COBRA period for employers with 20+ employees, longer duration (36 months vs 18 months), lower premium cap (102% vs no federal cap)
- **Coverage / scope:** Up to 36 months _(verified: appears in the quote below)_

## What the source says

> New York Employer Size: Fewer than 20 employees (also extends coverage for larger employers) Duration: Up to 36 months Premium: Up to 102% of the group rate Key Detail: Applies to all insured group health plans regardless of employer size. For employers with 20+ employees, New York law extends coverage beyond the federal COBRA period.

## 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/).