The COBRA legislation ensures that any employee who leaves the company due to layoffs or a career change can continue to receive health care coverage under a group health insurance affording time to find a permanent solution for those employees. With COBRA, any exiting employee has the right to extend their group health insurance coverage for up to 18 months. This 18 month extension gives the exiting employee time to find a replacement health insurance plan. Under COBRA, the exiting employee who elects to extend COBRA health insurance coverage is responsible for the entire health insurance premium.

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