COBRA and job loss
Lost Job-Based Coverage? Compare Your Options to COBRA
Leaving a job, or holding a COBRA notice? COBRA lets you keep your employer's plan, but you usually pay the full cost yourself. Before you decide, compare it with private plans you can apply for any time of year. A licensed advisor will walk you through both.
Licensed advisors answer calls 6 AM to midnight ET, 7 days a week.
Why people call us
Apply any time of year
Start a private plan we help with when your job coverage ends, not months later at open enrollment.
Compare before you choose
Bring your COBRA notice and we will look at it next to the private options available to you.
Keep your doctors in view
Check how your doctors and prescriptions fit each option before you make a switch.
Based in South Florida
Our team works from Sunrise, Florida, and helps Florida households compare their options.
We often help people who are
- Holding a COBRA election notice
- Laid off or leaving a job
- Losing coverage when a spouse's job ends
- Coming off a parent's plan
- Starting their own business after a W-2 job
How it works
Tell us who needs coverage
Send the short form or call us. Share only basic contact details, never medical history.
Talk with a licensed advisor
We go over your doctors, prescriptions, budget and the dates on your COBRA notice.
Review and decide
Compare the plan documents for the options available to you and apply only if one fits.
Common questions
Can I switch from COBRA to a private plan?
You can apply for the private plans we work with any time of year, including while you are on COBRA.
How long do I have to decide on COBRA?
Your COBRA notice lists your election deadline. Check it first, and talk with us well before it passes so you can compare both options.
What should I have ready?
Your COBRA notice, the ages and ZIP code of everyone who needs coverage, any doctors or prescriptions you want to keep, and a monthly budget range.
Where can I learn more first?
Our guide comparing private and Marketplace coverage explains what to compare side by side.
Read the comparison guide