When COBRA benefits have expired, a fully insured group policy can be converted to a(n)

• A. an individual health policy
• B. a short-term medical policy
• C. a dependent care policy
• D. a group policy with extended benefits

Answer: (A)

The idea being tested is the conversion privilege from a group health plan to an individual policy after COBRA ends. When a fully insured group policy ends its COBRA continuation, many plans allow you to convert to an individual health policy. This keeps you covered without new underwriting in many cases, though the new policy may have different terms, premiums, and benefit limits. The goal is to preserve continuity of coverage as COBRA expires, not to pick up a different type of product. Short-term medical policies are separate products used to bridge gaps, not the standard conversion path; dependent care policies aren’t health insurance; and continuing as a group policy isn’t applicable once COBRA has terminated.