Which act allows individuals to continue paying for their health-care coverage when they may lose it?

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is the correct answer because it specifically provides individuals and their families the right to continue their health-care coverage after experiencing certain events that would typically lead to a loss of that coverage. These events can include involuntary job loss, reduction in hours worked, transition between jobs, death, divorce, and other life events. COBRA ensures that eligible individuals can maintain their health insurance for a limited period (usually 18 months, but sometimes longer) as long as they pay the premiums.

This act is crucial for providing a safety net during transitional periods in people's lives, helping them avoid gaps in healthcare coverage when they might need it the most.

While the Family and Medical Leave Act (FMLA) provides job-protected leave for medical and family reasons, it does not inherently address the continuation of health benefits. The Health Insurance Portability and Accountability Act (HIPAA) primarily focuses on protecting individuals' health information and ensuring their ability to maintain coverage under certain conditions, but it does not provide a mechanism for continuing health insurance payments after job loss. The Affordable Care Act (ACA) has provisions that increase access to health insurance and improve coverage options but is not specifically designed for the continuation of coverage