text: if you are terminated from a job, don't they have to cover your insurance till the end of the month.?   nope.  not all companies or organizations are required to offer cobra insurance.  the law generally covers group health plans maintained by employers with 20 or more employees in the prior year. it applies to plans in the private sector and those sponsored by state and local governments.  the law does not, however, apply to plans sponsored by the federal government and certain church- related organizations.