What does the Consolidated Omnibus Budget Reconciliation Act (COBRA) allow qualified beneficiaries to do?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides qualified beneficiaries the right to maintain their group health insurance coverage for a limited time after experiencing certain qualifying events, such as job loss, reduction in work hours, or other life changes that would typically result in the loss of health coverage. This allows individuals and their dependents to continue receiving health care benefits under their employer's plan, albeit usually at their own expense, meaning they must pay the full premium plus a small administrative fee.

This continuation of coverage can be vital during transitional periods when individuals may be without employment, ensuring they still have access to necessary medical services and treatments. Therefore, the correct answer reflects the primary purpose of COBRA, which is to provide a safety net for those who find themselves suddenly without health insurance due to unforeseen circumstances.