However, COBRA health coverage, and subsidy, do not apply to employer groups of fewer than 20 employees. For these groups, the New York continuation of coverage program (sometimes called mini-Cobra) applies. Under the “mini-COBRA” program, health insurance companies fund the subsidy and seek reimbursement from the government.
Apparently there is mass confusion among these small employer groups, the health insurance companies are supposed to be paying but they are still trying to get a handle on the situation.
For more information there is guidance on this situation at www.ins.state.ny.us.