For the Insured, what changes are made to both coverage and premiums under the Consolidated Omnibus Budget Reconciliation Act (COBRA) coverage in comparison to the original group coverage?

This option is incorrect because, although COBRA continuation coverage maintains the same benefits and coverage levels as the original group plan, premium expenses do not remain the same. The insured must typically pay the entire premium rather than sharing the cost with the employer.

COBRA does not reduce the level of coverage provided under the group health plan. Eligible individuals continue to receive the same benefits, provider access, and plan terms available to similarly situated active employees. Therefore, coverage does not decrease under COBRA.

This answer is incorrect because COBRA continuation coverage is specifically designed to preserve the same health insurance benefits that existed under the original group plan. The major change is the increased premium responsibility placed on the insured, not a reduction in coverage.