HRCI PHRca Exam - Topic 4 Question 19 Discussion

Actual exam question for HRCI's PHRca exam

Question #: 19
Topic #: 4

COBRA, the Consolidated Omnibus Budget Reconciliation Act, requires some organizations to offer continuation of group health care coverage to employees and family members based on certain qualifying events. How many employees must exist within an organization for COBRA requirements to be enforced?

A20

B100

C50

D10

Show Suggested Answer

Suggested Answer: A

by Sean at Nov 24, 2025, 01:56 AM

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Ruthann

2 months ago

I think it’s A) 20. It’s been that way for a while.

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Lorrine

2 months ago

I feel unsure, but I’ll go with A) 20 too.

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Herminia

2 months ago

Definitely A) 20. It’s the standard threshold.

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Sabine

2 months ago

Yup, 20 is correct! Makes sense for small businesses.

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Jeannine

2 months ago

Wait, really? I thought it was higher than that.

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Devon

2 months ago

I thought it was 50, but I guess I was wrong!

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Kanisha

3 months ago

Totally agree, 20 is the magic number.

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Agustin

3 months ago

It's 20 employees for COBRA to kick in!

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Isabella

3 months ago

Haha, I bet the answer is A) 20 employees. That's such a random number, it has to be the right one!

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Wilda

4 months ago

C) 50 employees seems like the correct answer. That's the threshold I learned about in my HR compliance course.

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Samira

4 months ago

D) 10 employees sounds right to me. I'm pretty sure that's the minimum requirement for COBRA.

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Tabetha

4 months ago

I think the answer is B) 100. That's the number I remember from my COBRA training.

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Tamesha

4 months ago

I thought it was 20 too, but I also remember something about different rules for smaller employers.

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Kimbery

4 months ago

I feel like it might be 50, but that seems a bit high for COBRA requirements.

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Viki

4 months ago

I remember practicing a question about COBRA, and I believe the answer was 20 employees.

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Jill

5 months ago

I feel pretty confident about this one. COBRA applies to larger organizations, so the answer has to be either B) 100 or D) 10. Since 10 seems too low, I'm going to go with B) 100 employees.

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Rory

5 months ago

This question seems tricky. I remember learning about COBRA, but the details on the employee requirement are escaping me right now. I'll have to use the process of elimination and make an educated guess.

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Katlyn

5 months ago

Okay, let me see if I can break this down. COBRA is about continuing health coverage, so the number of employees must be related to that. I'm leaning towards C) 50, but I'm not 100% sure.

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Anisha

5 months ago

I agree, A) 20 makes sense for COBRA.

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Juan

5 months ago

I think COBRA applies to organizations with at least 20 employees, but I'm not completely sure.

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Martina

5 months ago

I think it's A) 20. Seems like a common number.

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Audria

6 months ago

Wait, is the answer supposed to be the number of employees that QUALIFY for COBRA, or the total number of employees in the organization? I'm so confused...

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Beatriz

6 months ago

I’m leaning towards C) 50. More employees, more coverage needs.

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Timmy

6 months ago

Hmm, I'm not totally sure about this one. I know COBRA has to do with health insurance coverage, but I can't remember the exact employee threshold. I'll have to think this through carefully.

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