Election of COBRA for continuation of health coverage will

• A. Change to a different plan
• B. Maintain the same coverage and increase premium
• C. Premium is waived for the COBRA period
• D. Coverage ends at the end of the COBRA period

Answer: (B)

The key idea is that COBRA lets a covered person keep their current health plan, but at the person’s own expense. When you elect COBRA, you don’t switch to a different plan—you continue the same coverage and benefits you had before. However, you pay the full premium yourself, typically with an added small administrative fee, so the amount you owe is higher than what you paid while employed. This is why the correct statement is that you maintain the same coverage and the premium increases.

The other options don’t fit: you don’t switch to a different plan under COBRA, the premium isn’t waived, and coverage doesn’t automatically end at the COBRA period unless you exhaust the period or fail to pay.