If you worked for an out of State Company, they don't have to offer you the additional 18 months of Cal Cobra coverage.
Insurance Code §10112.5(b) says that the CA Insurance Code shall not apply to a policy ... that covers
hospital, medical, or surgical expenses and that is issued outside of
California to an employer whose principle place of business and majority of
employees are located outside of California.
You should still qualify for
HIPAA 
Case Law - Stare Decisis
Accident policy, applied for and delivered in California
where premiums were paid, was California contract, as regards question
what law governed. Palmquist v. Standard Acc. Ins. Co., S.D.Cal.1933, 3
F.Supp. 356.
A
resident of Missouri signed in that state an application for life insurance.
The policy was executed by the insurer at its office in New York, and
transmitted to Missouri, where it was delivered to the assured, and
where the premiums thereon were paid.
Held, that the policy only
became a completed contract on its delivery and the payment of the premium
in Missouri, so that it is a Missouri contract, and governed by the laws
of that state.
Equitable Life Assur. Soc. v. Pettus140 U.S. 226, 11 S.Ct. 822U.S. 1891
This may be in conflict
with the
US
Constitution (State's Relations) Article 4 Section 1, Full Faith
and Credit shall be given in each State to the public Acts, Records, and
judicial Proceedings of every other State. And the Congress may by general
Laws prescribe the Manner in which such Acts, Records and Proceedings shall
be proved, and the Effect thereof.
McCarran
Ferguson Act?
Cornell's Site
CA Insurance Code 41 All insurance in this State is governed by
the provisions of this code.
Check it out on another Agent's
Web Site - Dave Fluker
