To COBRA or not to COBRA.

The more I watch my friends and loved ones get laid off, the more I pay attention to—and worry about—the stipulations behind COBRA (Consolidated Omnibus Budget Reconciliation Act). Here’s a lovely rule: companies with fewer than 20 workers get quite the squeeze as a majority of the 65 percent COBRA subsidy is either not available to them or not as inclusive in many states.

The good news lies with within “mini-COBRA laws,” but be sure to check those out (per state) before it’s too late. Still confused? Check out Michelle Andrews blog, it explains a lot.