The Federal Consolidated Omnibus Budget Reconciliation Act of 1985, better known as COBRA, gives workers the right to extend group health insurance coverage for up to 18 months should they suffer layoffs or decide to leave the company in pursuit of other career fields. This law was enacted in order to protect workers from the fear of losing their health insurance if they switch jobs. By allowing employees to extend group health insurance; those employees are able to continue coverage under an existing health insurance plan until such a time that a suitable alternative is found. The one difficulty many people face when extending group health insurance coverage via COBRA is that they law also states that the employee is responsible for up to 100% of the premium.

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