What does COBRA provide for employees and their families after changes in employment?

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Multiple Choice

What does COBRA provide for employees and their families after changes in employment?

COBRA allows employees and their families to keep their employer-sponsored health insurance for a set period after a qualifying event, such as job loss or reduced hours. The coverage is the same plan, but the individual pays the full premium (plus a small admin fee) rather than sharing costs with an employer. The continuation period is limited—most commonly up to 18 months, with possible extensions up to 36 months in certain situations. It is not free health care for life, nor automatic Medicare enrollment, and benefits can be terminated if premiums aren’t paid or if the employer ends the plan.

COBRA allows employees and their families to keep their employer-sponsored health insurance for a set period after a qualifying event, such as job loss or reduced hours. The coverage is the same plan, but the individual pays the full premium (plus a small admin fee) rather than sharing costs with an employer. The continuation period is limited—most commonly up to 18 months, with possible extensions up to 36 months in certain situations. It is not free health care for life, nor automatic Medicare enrollment, and benefits can be terminated if premiums aren’t paid or if the employer ends the plan.

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