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Guide to Employment Law. Currently, there is no federal law mandating employers to provide employees with health insurance coverage, and many states do not require employers to provide it or any other health coverage.
COBRA is a federal law that allows employees and their covered dependents to elect continuation of coverage under a group health plan when the employee and/or the dependent would otherwise lose coverage because of some event, such as a lay-off of the employee, or a child reaching a certain age.OBRA is a federal law that allows employees and their covered dependents to elect continuation of coverage under a group health plan when the employee and/or the dependent would otherwise lose coverage because of some event, such as a lay-off of the employee, or a child reaching a certain age.