"This article examines COBRA, health care legislation enacted a decade after ERISA in order to provide a temporary continuation coverage option to workers and their dependents who lose job-based health coverage. In the years since its enactment, COBRA has served a crucial role in offering bridge coverage to many people who otherwise would have had to try and secure coverage on the individual insurance market. Now, with the ACA’s marketplace in effect, these individuals can opt for marketplace coverage that is not limited in duration. Additionally, depending on their income, they may be eligible for a marketplace premium subsidy. We discuss below the prospects for COBRA coverage in future years given the availability of the marketplace coverage option."
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