What does COBRA allow workers to do?

COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, provides a critical benefit to workers by allowing them to continue their health-care coverage after they have been terminated from their job, or in the event of other qualifying events such as reduced hours or certain life changes. This law ensures that employees and their families can maintain their health insurance benefits for a limited time, usually up to 18 months, provided they pay the full premium plus a small administrative fee. This continued access to health insurance is particularly important, as it helps individuals avoid gaps in coverage and the risks associated with losing health care access when transitioning between jobs or facing other life disruptions.