Which of the following is true under the Consolidated Omnibus Budget Reconciliation Act (COBRA)?

The choice regarding employees having the right to continue their employer-sponsored health care plan, at their own expense, for up to 18 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA) is accurate because COBRA was enacted to ensure that employees and their dependents can maintain their health insurance coverage after experiencing events like job loss, reduction in hours, or other qualifying events that would typically lead to the loss of benefits.

Under COBRA, eligible employees can extend their health care coverage for a limited time—specifically, up to 18 months—by paying the full premium of the health insurance plan, which can include up to a 2% administrative fee. This provision is crucial as it provides individuals with a safety net to retain healthcare protection during transitional periods in their employment status. COBRA is particularly important for managing healthcare during job changes, ensuring that individuals do not lapse in coverage, which can have significant financial and health implications.

The other choices do not align with the provisions of COBRA. For instance, the act does not allow employees to extend pension plans indefinitely, require employers to enhance benefits, or provide access to health plans without contribution—which would undermine the principle that coverage continuation comes at a cost to the employee.