A Group Health Plan (GHP) is a health insurance plan that is provided by an employer or union to its employees and their dependents. COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that allows certain individuals to continue their group health coverage after they lose their employment or experience other qualifying events. COBRA coverage is usually more expensive than the premiums paid by active employees because the employer no longer contributes to the cost of the coverage. COBRA coverage is available for a limited time, usually 18 or 36 months, depending on the specific circumstances.