COBRA legislation protects employees from losing health insurance coverage in the event of layoffs or career change by granting all workers the right to extend their group health insurance plan for up to 18 months should they choose to leave the company or suffer layoffs. Under COBRA, any exiting employee has the right to request a group health insurance extension to allow time for that person to find a suitable replacement to their group health insurance plan. COBRA also makes it possible for the departing employee to receive equal or greater health insurance benefits from the alternative health insurance plan they choose. The one caveat with COBRA is that the departing employee is fully responsible for the health insurance premium of the group health insurance plan.

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