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COBRA keeps your old plan, but you usually pay the whole premium plus up to a 2% fee. We compare private PPO and ACA Marketplace plans against your actual COBRA bill and time the switch so there's no gap. Free to get a quote.
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While you worked, your employer paid a large share of the premium and you only saw your piece come out of each paycheck. On COBRA you pay all of it, plus up to 2% to cover the paperwork. Roughly speaking, employer single coverage runs about $750 a month and family coverage over $2,000, so that is often where a COBRA bill lands.
That is a big jump, and for a lot of people it's more than they need to pay. Depending on your income and health, a Marketplace or private PPO plan can come in well under it.
Write down the day your coverage ended or ends and the date on your COBRA notice. Two 60-day clocks start from those dates.
Dropping COBRA by choice later usually doesn't open a Marketplace enrollment window, so compare first.
Your COBRA notice with the monthly price, your doctors, your prescriptions and an estimate of this year's income.
We put your COBRA bill next to Marketplace and private options, and we tell you honestly when COBRA is the better call.
We're an independent agency in Sunrise, and we work with people across Broward, Miami-Dade and Palm Beach County by phone, video and email. When your COBRA bill is higher than it should be, these are the options we compare for you, side by side with your real numbers.
Open to everyone regardless of health history. Premium help depends on your expected income, and a job change can lower what you pay.
Often lower monthly cost than COBRA with broad doctor networks. Private plans ask health questions and can limit or exclude coverage.
Losing coverage usually opens a short window to join. We help you compare it with buying on your own.
Sometimes the best move, for example mid-treatment or near the end of your deductible. We'll tell you when it is.
Local to you? See health insurance in Sunrise, Broward County or Palm Beach County.
Most coverage gaps happen because people start comparing too late. Here's the order of things.
You generally have 60 days from your COBRA election notice to decide whether to elect COBRA, and coverage can be backdated to when your employer plan ended. Electing is not the same as being locked in, so it's worth comparing before you commit to months of full-price premiums.
Start comparing early. Private plans can ask health questions and take time to approve, so a new plan can start the day COBRA ends and you avoid a gap.
Reaching the end of your maximum COBRA period generally opens a special enrollment period of about 60 days to buy a Marketplace plan. Dropping COBRA early by choice usually doesn't, unless it falls in open enrollment, which is why we plan the timing with you first.
COBRA isn't your only choice, and it isn't always the most expensive one. We show them side by side.
Accepts everyone regardless of health history, and may include income-based savings. Enrollment depends on the timing rules above.
Flexible networks and benefits, often available sooner. These plans are medically underwritten, so eligibility and price depend on your health.
If a new job or your spouse's job offers coverage, there's usually a short special enrollment window to join. Check yours quickly.
Sometimes COBRA is the right call, such as when you're mid-treatment. We'll tell you honestly when it is.
Straight answers to what people ask us most.
No. COBRA is optional. You generally have at least 60 days to decide, and you can compare Marketplace and private plans during that time. Some people never need it.
If you're in the middle of treatment, have surgery coming up, or you're close to meeting this year's deductible, keeping COBRA for a few months can cost less overall. We run the numbers both ways before you decide.
COBRA typically lasts up to 18 months after a job loss or reduction in hours. In some situations, such as certain family events, it can last up to 36 months. Your COBRA notice lists your specific end date.
With COBRA you generally pay the full premium, including the share your employer used to cover, plus an administrative fee of up to 2%. That's why many people are surprised by the monthly bill.
You can end COBRA any time, but you need a new plan lined up first. Marketplace plans generally require open enrollment or a qualifying life event, and dropping COBRA by choice usually isn't one. Private plans may be available sooner but are medically underwritten. We map out the timing with you before you cancel anything.
When COBRA runs out because you reached its maximum period, that generally opens a special enrollment period of about 60 days to buy a Marketplace plan. Start comparing options well before your end date so there's no gap in coverage.
It can be, especially for healthy applicants, but not for everyone, and the benefits differ. We show your COBRA cost next to Marketplace and private plan options so you can compare real numbers.
Nothing. You don't pay us a fee. If you enroll, the insurance carrier pays us, so getting quotes and comparing options is free.
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