COBRA and the Health Insurance Portability and Accountability Act of 1996 have improved health insurance coverage options for individuals and families who may have changed jobs or lost a job.

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COBRA (Consolidated Omnibus Budget Reconciliation Act) and the Health Insurance Portability and Accountability Act of 1996 (HIPAA) both provide important protections and options for maintaining health insurance coverage when experiencing a job loss or change. COBRA allows individuals to continue their employer-sponsored health insurance coverage for a limited period of time after leaving their job, while HIPAA provides guidelines for how health insurance companies can handle pre-existing conditions and ensure individuals have access to health insurance coverage when transitioning between jobs. Together, these laws have helped improve health insurance coverage options for many individuals and families.