Hi, you are correct. If an employer has less than 20 employees he does not have to offer COBRA. However, see if the group plan has a conversion benefit. If so, you can covert to an individual plan directly with the insurance company. Just call the 800 number on the back of your ID card and ask them. The coverage may not be as good as the group plan, but there will be no medical underwriting or pre-exisiting conditions exclusions. Good Luck! Teri