Which of the following individuals is explicitly listed as COBRA eligible?

• A. Independent contractors
• B. Volunteers
• C. Former Employees
• D. Government employees

Answer: (C)

COBRA continuation coverage is designed for people who lose their group health coverage due to a qualifying event, such as leaving a job. The group health plan treats former employees as eligible to elect continuation coverage, allowing them to keep the same plan for a limited time (typically 18 months) by paying the premium. Independent contractors and volunteers aren’t considered employees under the employer’s group plan, so they aren’t COBRA eligible. Government employees fall under separate arrangements, and federal plans aren’t subject to COBRA in the same way. Therefore, the explicitly listed eligible group is former employees.