Colorado has what is known as a "mini C.O.B.R.A. law."  Small businesses of any size must send written notice to the employee of their right to continue coverage within 10 days of termination. The notice must include the monthly payment amount, payment instructions, and the consequences of non-payment. Termination due to gross misconduct forfeits inclusion for businesses with fewer than 20 employees. Coverage continues for 18 months or until the former employee becomes eligible for coverage through a new employer. For employers with more than 20 employees Federal C.O.B.R.A. laws apply.