What employers come under COBRA?

• A. Private employers with 5 or more employees.
• B. Private employers with 20 or more employees and state and local governments.
• C. All employers regardless of size.
• D. Only employers with a unionized workforce.

Answer: (B)

COBRA coverage applies to group health plans offered by private-sector employers with 20 or more employees and to group health plans maintained by state and local governments. The key point is the 20-employee threshold for private employers, plus government plans are covered, ensuring continuation rights for employees and their families in those contexts. It doesn’t extend to private employers with fewer than 20 employees, nor to all employers regardless of size, and it isn’t limited to unionized workplaces—the size of the private employer and the involvement of a government entity determine COBRA applicability.