Insurance · Individual and Group Coverage

How long can a former employee continue COBRA coverage after leaving their job voluntarily?

Correct answer

18 months

  1. A 18 months
  2. B 36 months
  3. C 90 days
  4. D 30 days

Why this is the answer

Under COBRA (Consolidated Omnibus Budget Reconciliation Act), employees who voluntarily leave their job, are laid off (except for gross misconduct), or have their hours reduced can continue group health coverage for up to 18 months. Qualifying events for 36-month continuation: death of the covered employee; divorce; employee becomes eligible for Medicare; dependent child aging off the plan. COBRA coverage is identical to the employer's plan but the former employee pays the full premium (employer share + employee share) plus up to 2% administrative fee — making it expensive.
Source: Health Insurance Exam, COBRA Duration

Practice more questions

This question is from our Insurance License Practice Tests practice test. Take the full practice test to test your knowledge across all Individual and Group Coverage and other topics.

Take the Health Insurance practice test →

About this topic: Individual and Group Coverage

Individual and group coverage questions cover how group plans are underwritten and administered, eligibility and enrollment, conversion and continuation rights (COBRA), and how individual policies differ. This is one of 7 Health Insurance questions on individual and group coverage, each with a full explanation on a single study page.

New to this exam? Our Insurance exam guide explains the format, scoring, and how to prepare.

Related questions

State-specific guides

Need information for your state? Our state guides cover local requirements, fees, and what to expect on exam day.