Can an employer cancel your health insurance without offering you a cobra plan in Texas?

Yes, there are several different circumstances where this could happen. If the employer has discontinued the plan entirely, then there is no COBRA coverage to be offered. If the company has fewer than 20 employees, the plan does not have to offer COBRA coverage. If the company is a church, it is not required to offer COBRA.

Last, if you were fired from the job for gross misconduct, the employer does not have to offer you COBRA coverage.