What does COBRA help workers maintain?

COBRA, which stands for the Consolidated Omnibus Budget Reconciliation Act, is a federal law that allows workers and their families to continue their group health insurance coverage for a limited time after experiencing job loss, reduction in work hours, or other qualifying events. This law is specifically designed to help individuals maintain their coverage under the same group health plan that they were enrolled in while employed.

When a person qualifies for COBRA, they can keep the same health insurance benefits they had during employment, which is crucial since finding new coverage can take time, and people may have ongoing medical needs. This law helps prevent gaps in health coverage during transitions and is particularly important for individuals with pre-existing conditions who might face challenges getting new insurance.

While the other options refer to various forms of financial and support services, they do not relate directly to the primary purpose of COBRA, which focuses specifically on maintaining health insurance coverage through a group health plan.