California's Cal-COBRA law provides continuation coverage for individuals who:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Cal-COBRA is California's state continuation law. It requires group health plans that are not subject to federal COBRA, typically because the employer falls below COBRA's size threshold, to offer departing covered employees and dependents the right to continue group coverage for a stated period, paying the full premium plus an administrative charge. It mirrors the federal COBRA concept but operates at the state level for plans outside COBRA's reach. California insurers issuing group disability and health coverage must comply with these continuation requirements so workers at smaller employers do not lose coverage on departure.
Why the other options are wrong
- B) Individual policies are not group coverage, and Cal-COBRA continuation rights attach only to group health plans; someone buying coverage directly from an insurer has no group coverage to continue.
- C) Medicare enrollment is governed by federal eligibility and guaranteed-issue rules, not by Cal-COBRA, which only extends group coverage that was in force and then lost.
- D) Cal-COBRA protects people who were covered under a group plan and then lost that coverage; it does not create first-time coverage for someone who never enrolled in any group plan.
Memory hook
Cal-COBRA = the small-employer safety net. Too few employees for COBRA? California still says stay covered.