Covered California Certified Enroller Practice Exam

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What does COBRA stand for?

  1. Consolidated Omnibus Budget Retention Act

  2. Catalog of Off-Boarding Benefits for Retirees Act

  3. Consolidated Omnibus Budget Reconciliation Act

  4. Comprehensive Obligation Benefits Retirement Act

The correct answer is: Consolidated Omnibus Budget Reconciliation Act

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. This federal law, enacted in 1985, allows individuals to continue their health insurance coverage for a limited period after certain events, such as job loss, reduction in work hours, or other qualifying events that would typically result in the loss of health benefits. Under COBRA, employees and their families may have the option to keep their group health plan coverage for up to 18 months, and sometimes longer, depending on specific circumstances. This is significant because it provides a safety net for individuals who might otherwise face a gap in health coverage during transitions in employment or life events. Understanding the correct name and function of COBRA is important for anyone working in health insurance enrollment or advocacy, as it directly relates to the options available to individuals for maintaining their health coverage.

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