When you have COBRA coverage, what must you do?

When you have COBRA coverage, what must you do?

• A. Keep existing coverage and you cannot elect new coverage.
• B. Change to a new plan during COBRA.
• C. Cancel COBRA coverage.
• D. You must elect a different plan each year.

Answer: (A)

COBRA is a continuation of the exact same employer‑sponsored plan you had, for a limited time after a qualifying event. To use COBRA, you must elect to continue that existing coverage within the allowed window and pay the full premium (often plus a small admin fee). You don’t switch to a new plan under COBRA, and you’re not required to change plans each year. So the idea is to keep the same coverage rather than electing a new one during the COBRA period.

COBRA is a continuation of the exact same employer‑sponsored plan you had, for a limited time after a qualifying event. To use COBRA, you must elect to continue that existing coverage within the allowed window and pay the full premium (often plus a small admin fee). You don’t switch to a new plan under COBRA, and you’re not required to change plans each year. So the idea is to keep the same coverage rather than electing a new one during the COBRA period.