monthly premium$($s$),$ the coverage will be significantly cheaper than if Sam purchased an individual policy for his family. The law that helps Sam and his family is known as:

a$.$ Retirement Equity Act $($REA$)$

b$.$ Consolidated Omnibus Budget Reconciliation Act $($COBRA$)$

c$.$ Employee Retirement income Security Act $($ERISA$)$

d$.$ Tax Equity and Fiscal Responsibility Act $($TEFRA$)$