HIPPA Title I protects health insurance coverage for workers and their families when they lose their jobs. What else is included?

• A. COBRA coverage for 18 months
• B. Pre-existing condition denial
• C. Annual policy changes
• D. Employer reporting requirements

Answer: (A)

When someone loses their job, a key aim is to avoid a gap in health coverage. In addition to protections around keeping coverage when job changes occur, there is a continuation option that allows you to keep your current employer-sponsored plan for a limited time. That continuation through COBRA lasts up to 18 months, giving you an exposure-free window to transition to new coverage or compare options without losing benefits. The other choices describe protections or changes that aren’t the continuation feature being highlighted here—pre-existing condition restrictions are addressed in other provisions, while annual policy changes and employer reporting aren’t the focus of this continuity protection.