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An Employer’s Guide to Group Health Continuation Coverage Under COBRA

In the individual insurance market, premiums are, on average, even less affordable. Due to the underwriting practices in some states, many individuals, particularly those who are older or have chronic health problems, are left on the sidelines—unable to even qualify for coverage. 3 As health care costs have climbed, so has the number of people without health insurance in the United States, even during a period of overall economic growth. In 2004, according to U.S. Census data, nearly 46 million people of all ages were uninsured, an increase of 6 million over 2000. 4 This combination of eroding health insurance coverage and. | An Employer s Guide to Group Health Continuation Coverage Under COBRA The Consolidated Omnibus Reconciliation Act of 1986 U.S. Department of Labor Employee Benefits Security Administration This publication has been developed by the U.S. Department of Labor Employee Benefits Security Administration. It is available on the agency s Web site at www.dol.gov ebsa For a complete list of EBSA publications call the agency s toll-free number 1-866-444-EbSa 3272 . This material will be made available in alternate format upon request Voice phone 202 693-8664 TTY 202 501-3911 This booklet constitutes a small entity compliance guide for purposes of the Small Business Regulatory Enforcement Fairness Act of 1996. An Employer s Guide to Group Health Continuation Coverage Under COBRA The Consolidated Omnibus Reconciliation Act of 1986 U.S. Department of Labor Employee Benefits Security Administration September .