Accident & Health FundamentalsQuestion 4 of 716
Cal-COBRA differs from federal COBRA primarily because it:
a.Eliminates the premium contribution requirement by shifting the cost to the employer
b.Provides a longer continuation period to employees of large employers only
c.Replaces federal COBRA for every California employer and resident alike
d.Extends continuation rights to employees of small employers with 2-19 employees
Explanation
Federal COBRA applies only to employers with 20 or more employees. Cal-COBRA fills the gap by requiring continuation coverage from California group health plans of small employers with 2 to 19 employees, generally for up to 36 months total.
Law Reference: Cal. Health & Safety Code §1366.20 et seq. (Cal-COBRA)This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)