Losing your job-based health insurance can feel overwhelming, especially when faced with the high cost of COBRA continuation. While COBRA offers a way to keep your exact same plan, its hefty price tag makes many people wonder if there are better options. The good news is, there are several, and this guide is designed to walk you through each one. Finding the right alternative to COBRA insurance is about matching your specific needs, budget, and life situation to the best available plan.
This resource provides a direct, actionable comparison of your top choices. We’ll move beyond generic advice and dive into the specific websites and platforms where you can get quotes and enroll. Whether you're a self-employed professional, an early retiree, or a parent helping an adult child secure coverage, this list will clarify your path forward. We'll examine everything from federal programs like the ACA Marketplace and Medicaid to private insurance carriers and short-term medical plans.
Each entry in our list includes a clear breakdown of what the option is, who it’s best for, eligibility rules, and what you can expect to pay. To make your decision easier, we’ve included screenshots of the platforms, direct links to get started, and a straightforward analysis of the pros and cons. Our goal is to give you the information you need to confidently choose a health plan without overpaying for coverage you might not need. Forget the confusion; let’s find your best health insurance solution.
1. My Policy Quote
My Policy Quote earns its top spot by functioning as a powerful, full-service insurance brokerage, offering a direct and efficient pathway for individuals and families seeking an alternative to COBRA insurance. This platform provides nationwide access to the entire health insurance market, allowing users to compare a wide array of plans from numerous carriers in one centralized location. The process is designed for speed and clarity, promising free, no-obligation quotes in under 10 minutes and the potential for same-day policy activation.
What truly distinguishes this service is its hands-on, expert guidance. Rather than leaving you to navigate complex plan details alone, My Policy Quote connects you with a state-licensed agent. These professionals help translate insurance jargon, compare cost-benefit tradeoffs, and ensure the selected plan genuinely fits your needs, whether you're a self-employed contractor, an early retiree, or a parent securing coverage for an adult child. This combination of broad market access and personalized support makes it a well-rounded solution.
Key Features & Assessment
- Market Access: Full coverage across all 50 states, including major medical, short-term health plans, and premium-tier Gold and Platinum ACA options. This ensures you see a complete picture of available policies.
- Personalized Agent Support: The model is built around direct access to licensed agents who provide lifetime support, from initial enrollment to future policy questions. Verified Google reviews frequently praise agent responsiveness and ability to find affordable plans.
- Product Diversity: Beyond standard health coverage, the platform offers a wide selection of supplemental products like dental, vision, critical illness, and travel insurance, allowing for the creation of a custom benefits package. If you are just starting your search, you can learn more about how to evaluate different individual health insurance plans to prepare for your conversation.
- Efficiency: The "Click. Shop. Done!" approach is validated by a fast intake process via phone or online form, with a focus on delivering quotes and policy documents quickly.
Practical Considerations
| Category | My Policy Quote |
|---|---|
| Best For | Self-employed, early retirees, families without employer plans, advisors. |
| Pricing Model | Varies by plan, state, and personal factors. Quotes are free and personalized. |
| Pros | Nationwide access, expert agent guidance, fast turnaround, wide product selection. |
| Cons | No upfront fixed pricing; experience can depend on the assigned agent. |
Website: https://mypolicyquote.com
2. HealthCare.gov (ACA Marketplace)
The official Affordable Care Act (ACA) Marketplace, HealthCare.gov, is a primary destination for individuals seeking an alternative to COBRA insurance. Its core function is to provide a centralized platform where you can compare and purchase health plans from private insurers. The platform is designed specifically for those without access to affordable job-based coverage, including people who have recently lost their employment.
What makes it a standout option are the income-based subsidies. These government financial aids can significantly lower your monthly premium costs, often making Marketplace plans far more affordable than paying the full COBRA premium. The platform also automatically screens applicants for Medicaid and CHIP, ensuring you are directed to the most affordable coverage available for your situation.
Key Considerations
A critical advantage is the 60-day Special Enrollment Period triggered by the loss of your job-based health insurance. This window allows you to enroll in a new plan outside the standard annual Open Enrollment period. The plans offered cover essential health benefits, and you cannot be denied coverage due to pre-existing conditions.
However, a potential downside is that the provider networks on some Marketplace plans can be narrower than what you had with a large employer's plan. It’s important to verify that your preferred doctors and hospitals are in-network before enrolling. Additionally, if your income changes during the year, you may need to reconcile your premium tax credit when you file your taxes. You can learn more about how premium tax credits are calculated to better prepare for this.
Website: https://www.healthcare.gov
3. Medicaid
Medicaid is a joint federal and state program offering a crucial safety net for individuals and families whose income drops significantly after losing a job. As an alternative to COBRA insurance, it provides free or very low-cost comprehensive health coverage. Unlike private insurance, Medicaid eligibility is primarily based on your current monthly household income, making it an immediate option for those facing a sudden loss of earnings. The program is administered at the state level, with each state having its own specific rules and application processes.
What makes Medicaid a standout option is the cost. For those who qualify, premiums are either zero or extremely low, and out-of-pocket costs like deductibles and copayments are minimal. Enrollment is available year-round, meaning you don't have to wait for a special enrollment window. If your income has fallen to a level that meets your state's guidelines, you can apply and get covered right away. Some states even offer retroactive coverage, which can help pay for medical bills incurred before your application was approved.
Key Considerations
A significant advantage of Medicaid is its comprehensive benefits package, which covers essential services such as doctor visits, hospital care, and prescription drugs, often with minimal financial burden on the enrollee. This makes it a far more affordable solution than paying 102% of an employer’s group plan premium through COBRA. You can learn more about the specific income levels and rules by reviewing how to qualify for Medicaid in your state.
However, the primary challenge can be the provider network. Medicaid networks may be more limited than those of large employer-sponsored plans, which could mean changing doctors or facing longer wait times for appointments. The application and renewal processes can also be complex, requiring detailed income documentation. Since eligibility rules vary widely from one state to another, you must navigate your specific state's requirements, which can be a difficult process for some.
Website: https://www.medicaid.gov
4. Children’s Health Insurance Program (CHIP)
For families prioritizing coverage for their children after a job loss, the Children’s Health Insurance Program (CHIP) offers a vital and affordable alternative to COBRA insurance. This federal and state partnership provides free or low-cost health coverage for children in families with incomes too high to qualify for Medicaid but who cannot afford private insurance. The program is accessed through InsureKidsNow.gov, which directs you to your specific state’s program.
What makes CHIP a particularly strong option is its focus on comprehensive pediatric care. Unlike many private plans, CHIP programs are required to cover a full suite of benefits for children, including doctor visits, immunizations, hospital care, and robust dental, vision, and mental health services. In most states, total annual family costs are capped, typically at no more than 5% of household income, providing financial predictability that COBRA lacks.
Key Considerations
A significant advantage of CHIP is that enrollment is open year-round, meaning you don't have to wait for a special enrollment period to apply for your children after losing your job. The application process is managed at the state level and is generally straightforward, with online, phone, mail, and in-person options available to fit your needs. The very low premiums and copayments make it a financially sound choice for ensuring kids stay covered.
The main limitation is that CHIP is designed specifically for children (and, in some states, pregnant people), so adult family members will need to secure their own separate coverage through another source, like the ACA Marketplace. Additionally, since CHIP is administered by individual states, eligibility thresholds and the exact benefits package can vary. It’s essential to check your state’s specific guidelines to confirm your children qualify.
Website: https://www.insurekidsnow.gov
5. Ambetter Health (Centene)
As a prominent insurer on many state ACA Marketplaces, Ambetter Health offers a direct route to finding an individual plan that can serve as a strong alternative to COBRA insurance. While you often find Ambetter plans on HealthCare.gov, exploring their direct site provides a focused look at their specific offerings, which include tiered plan designs like Premier, Select, and Value, tailored to different network and cost preferences. This allows you to dive deep into one potential carrier before comparing it to others.
What makes Ambetter a notable option is its competitive pricing in many regions and a strong emphasis on virtual care and wellness programs, such as 24/7 telehealth access and diabetes support. For those who qualify, they also offer off-exchange "Solutions" plans, which can work with certain employer reimbursement arrangements like ICHRAs. This provides flexibility beyond the standard marketplace subsidy route.
Key Considerations
A significant advantage of choosing a carrier like Ambetter is its broad state footprint, often providing coverage options in counties where insurer choices are limited. This makes it a critical player for ensuring access to care in many communities. The tiered plan structure helps you balance monthly premium costs against out-of-pocket expenses, allowing for a more customized financial fit than a one-size-fits-all COBRA plan.
The main drawback is that Ambetter's provider networks, particularly on lower-cost plans, can be narrower and more localized than the expansive networks common with large employer-sponsored plans. It is essential to verify that your specific doctors, specialists, and hospitals are in-network before enrolling. Carrier participation can also change annually, so re-checking your network is a yearly necessity.
Website: https://www.ambetterhealth.com
6. UnitedHealthcare Individual & Family (ACA Marketplace)
For those looking for an alternative to COBRA insurance from a major national carrier, UnitedHealthcare offers individual and family plans directly and on the ACA Marketplace in many states. Going directly to a major insurer like UHC can simplify the process if you know you want their specific network and plan features. Their offerings are designed for individuals and families who no longer have employer-sponsored coverage.
What makes UHC a compelling choice is the combination of a familiar brand with features tailored for the individual market. Many of their plans include benefits like $0 virtual urgent care or $0 primary care visits, which can make routine healthcare costs more predictable than high-deductible COBRA plans. The company also provides robust digital tools for managing care and a large pharmacy network, offering a member experience similar to what one might have had with a large employer's plan.
Key Considerations
A significant advantage is the potential for strong network access in many regions, including a wide array of specialists and hospitals. UHC often structures its plans with copays for common services, providing clearer upfront costs, which is a major benefit for families managing a budget. These plans also qualify for the same income-based subsidies as any other Marketplace plan if you enroll through the exchange.
However, a potential drawback is that plan availability, network names, and specific benefits vary greatly by state. It is essential to use their on-site tools to confirm your specific doctors and local hospitals are in-network before committing to a plan. Furthermore, not all of the attractive, enhanced benefits like member rewards programs are available in every market, so you must review the plan details for your specific location carefully.
Website: https://www.uhc.com/exchange
7. Anthem Blue Cross Blue Shield (Elevance Health) – Individual & Family
For those seeking an alternative to COBRA insurance in specific states, purchasing a plan directly from a major carrier like Anthem Blue Cross Blue Shield is a viable path. Anthem, part of Elevance Health, offers individual and family ACA-compliant plans in the markets it serves. This approach is best for individuals who are familiar with the Blue Cross Blue Shield network and prefer to deal directly with the insurance company rather than a government-run marketplace.
What distinguishes this option is the potential for statewide HMO or POS networks in certain Anthem states, which can offer broader access than some narrower marketplace-only plans. Many plans also integrate digital health tools, such as virtual urgent care and behavioral health support, directly into their offerings. This direct-to-carrier route simplifies the process for those who know they won't qualify for subsidies and want to see only what a specific, trusted insurer provides.
Key Considerations
A significant benefit is working with a long-established carrier, which may offer more consistent customer service and provider relationships. However, the biggest drawback is the extreme variability by state. Plan names, network sizes, and availability differ dramatically from one location to another. Some Anthem markets may feature excellent, broad networks, while others might be limited to very narrow HMOs.
Before committing, it's crucial to use Anthem's website to verify that your specific doctors, specialists, and hospitals are in-network for the individual plan you are considering. Losing your job still triggers a 60-day Special Enrollment Period, allowing you to enroll directly with Anthem outside of the standard open enrollment window. This option is a strong contender if you prioritize brand familiarity and specific network access over the potential for marketplace subsidies.
Website: https://www.anthem.com
8. Kaiser Permanente – Individual & Family
For those living in one of its service areas, Kaiser Permanente offers a unique individual and family plan model that serves as a compelling alternative to COBRA insurance. Unlike traditional insurance companies, Kaiser operates an integrated system where it provides both your health coverage and your medical care. This all-in-one approach means your primary care doctor, specialists, lab services, and pharmacy are all connected, creating a highly coordinated patient experience.
This model's main advantage is the simplicity and efficiency it offers. Referrals, medical records, and billing are all handled within one system, reducing administrative headaches for members. Kaiser is also well-regarded for its strong emphasis on preventive care and management of chronic conditions, often leading to high marks in quality and patient satisfaction ratings. Their extensive virtual care options, including 24/7 nurse advice lines and video appointments, provide convenient access to care.
Key Considerations
The most significant benefit is the seamless coordination of care. Because providers and insurance are part of the same entity, there are fewer conflicts over what is covered, and doctors can easily collaborate on your treatment plan. This can be especially valuable for individuals and families managing ongoing health needs, offering a more predictable and streamlined healthcare journey than many other plans.
However, the integrated structure is also its primary limitation. As an HMO model, your coverage is generally restricted to Kaiser Permanente facilities and physicians, with out-of-network care only covered in true emergencies. Availability is another key factor, as you must live within one of Kaiser’s specific service regions, which include parts of California, Colorado, Georgia, Hawaii, the Mid-Atlantic states, and the Northwest. Before considering Kaiser, you must confirm your location is covered and that you are comfortable with its in-network provider model.
Website: https://kp.org
9. Cigna Healthcare – Individual & Family (ACA Marketplace)
For those who prefer to shop for an ACA Marketplace plan directly from a major insurance carrier, Cigna offers a compelling option in select states. Going directly to their site provides a focused experience, allowing you to explore Cigna-specific plans that can serve as a strong alternative to COBRA insurance. This approach is ideal for individuals who are already familiar with Cigna's network or want to access their particular member benefits.
Cigna stands out with its emphasis on accessible care and member support. Many of their plans feature $0 preventive care, 24/7 virtual care access, and dedicated customer service lines. The digital experience through the myCigna platform is another significant plus, making it easy to manage your benefits and find care. Some of their plan designs are particularly attractive, offering $0 deductibles or $0 copays for certain services, which can be a financial relief compared to high-deductible COBRA plans.
Key Considerations
A primary advantage is the integration of robust digital tools and virtual care, which appeals to families and self-employed individuals needing flexible healthcare access. The balance in plan designs, offering both affordability and practical benefits, makes Cigna a strong contender where available. Even when purchasing directly, you can still apply for the same income-based subsidies you would find on HealthCare.gov.
The biggest drawback is limited geographic availability. Cigna does not offer Marketplace plans in every state or even every county within a state, so you must verify availability for your specific ZIP code. Additionally, like many individual plans, some Cigna offerings may have more restrictive networks, potentially limiting your choice of doctors and hospitals and providing less coverage for out-of-network care.
Website: https://www.cigna.com/individuals-families/shop-plans/health-insurance-plans
10. Oscar Health – Individual & Family (ACA Marketplace)
Oscar Health operates as a technology-focused health insurance company offering individual and family plans directly through the ACA Marketplace. It positions itself as a more user-friendly and modern alternative to traditional insurance carriers, built around a member-centric app and dedicated Care Teams. This approach makes it a compelling alternative to COBRA insurance for those who value digital convenience and proactive support in managing their health.
What makes Oscar a standout option is its emphasis on simplifying the healthcare experience. Features like $0 virtual urgent care on many plans, a clear cost-estimator tool, and personalized Care Teams accessible via the app are designed to reduce confusion and encourage engagement. Like other Marketplace plans, Oscar plans are eligible for income-based premium tax credits, which can make them significantly more affordable than continuing employer coverage through COBRA.
Key Considerations
A primary advantage is the strong digital experience, which is ideal for tech-savvy individuals who prefer managing their benefits from a smartphone. The ability to quickly message a care guide, find in-network providers, and track deductibles in one place removes common administrative headaches. Oscar also offers specific programs tailored to different needs, such as "Hola Oscar," which provides culturally competent care for its Spanish-speaking members.
However, Oscar's availability is limited to specific states and often concentrated in certain counties within those states. Provider networks can also be narrower than those offered by larger, more established insurers, so verifying your doctors are in-network is a critical step before enrolling. Benefits and specific features like the cost of virtual care can vary significantly from one state's plan to another.
Website: https://www.hioscar.com
11. Molina Healthcare – Marketplace plans
Molina Healthcare is an insurance carrier that offers Marketplace plans in select states, often focusing on providing affordable coverage options. For those seeking an alternative to COBRA insurance, a Molina plan can be a cost-effective choice, particularly in areas where their premiums are competitive. The company is also a major provider of government-sponsored programs like Medicaid and Medicare, though these are distinct from their ACA Marketplace offerings.
What makes Molina a notable option is its emphasis on the lower-cost end of the insurance market. Their plans may be especially beneficial for individuals and families whose income qualifies for only modest premium tax credits, as a lower starting premium can make a significant difference. You would typically enroll in a Molina plan through your state's exchange or the federal HealthCare.gov platform.
Key Considerations
A significant advantage of considering Molina is the potential for lower monthly premiums compared to other carriers in the same region. This affordability makes it an attractive choice for those on a tight budget after losing employer-sponsored coverage. Like all Marketplace plans, they must cover essential health benefits and cannot deny you for pre-existing conditions.
However, Molina's availability is highly localized and limited to specific states and even counties. It is critical to verify their participation and network adequacy in your exact location before enrolling. Some members have reported a varied customer service experience and issues with provider directories, so due diligence in checking that your preferred doctors and hospitals are in-network is essential. The provider network can also change from year to year.
Website: https://www.molinahealthcare.com
12. Allstate Health Solutions (Short-Term Medical and supplemental plans)
For individuals needing immediate, temporary health coverage, Allstate Health Solutions offers short-term medical (STM) plans that can serve as a bridge. These plans are designed for people in specific situations, such as those between jobs who missed their Special Enrollment Period or are waiting for new employer coverage to begin. STM plans provide a safety net for unexpected injuries and illnesses during coverage gaps.
What makes this a practical alternative to COBRA insurance is its affordability and speed. Premiums for STM plans are often significantly lower than the full cost of COBRA continuation. The enrollment process is also fast, with many applicants able to secure next-day effective dates, providing peace of mind almost instantly. Allstate also offers supplemental products like accident and critical illness policies that can be paired with an STM plan to cover specific risks.
Key Considerations
A major advantage is the flexibility in coverage duration, allowing you to select a term that matches your specific needs, from 30 days up to the maximum allowed by your state. This makes it an ideal stopgap solution without locking you into a long-term commitment. The PPO network access associated with these plans also gives you a degree of choice in providers.
However, it is crucial to understand that these plans are not ACA-compliant. This means they do not have to cover essential health benefits and can legally deny coverage for pre-existing conditions. Benefits for maternity care, mental health services, and prescription drugs are often limited or excluded entirely. Before choosing this path, it is important to understand the distinctions and find out more about short-term health insurance to see if it fits your circumstances.
Website: https://allstatehealth.com
12 COBRA Alternatives: Plan Comparison
| Provider | Coverage & Products | Experience (★) | Price & Value (💰) | Target Audience (👥) | Unique Selling Point (✨) |
|---|---|---|---|---|---|
| My Policy Quote 🏆 | Nationwide major medical, Gold/Platinum, short‑term, dental/vision & supplements | ★★★★☆ — licensed agents, fast turnaround | 💰 Free fast quotes; claims "Save 47%+"; price varies by plan/state | 👥 Self‑employed, early retirees, families, advisors | ✨ Hands‑on licensed agents + full‑market comparison; same‑day docs |
| HealthCare.gov (ACA Marketplace) | ACA individual & family plans, standardized essential benefits | ★★★★☆ — guaranteed issue, standardized plans | 💰 Income‑based subsidies & CSRs; often cheaper than COBRA | 👥 People losing employer coverage, low‑moderate income | ✨ Premium tax credits, CSR, 60‑day SEP |
| Medicaid | State‑administered comprehensive coverage with low/no premiums | ★★★☆☆ — broad benefits; network/availability varies | 💰 Very low OOP if eligible | 👥 Low‑income adults/families after job loss | ✨ Year‑round enrollment, state spend‑down options |
| CHIP | Pediatric medical, dental, vision, mental health; low family caps | ★★★★☆ — strong pediatric benefits | 💰 Low/nominal premiums; annual family cost caps | 👥 Children in families above Medicaid threshold | ✨ Comprehensive child dental/vision & cost caps |
| Ambetter Health (Centene) | Marketplace plans, virtual care, condition support programs | ★★★☆☆ — competitive pricing; network varies | 💰 Often competitive premiums by county | 👥 Marketplace shoppers in Ambetter markets | ✨ Diabetes programs & 24/7 virtual care |
| UnitedHealthcare (Marketplace) | ACA plans with large pharmacy/network; digital tools | ★★★★☆ — strong pharmacy & specialist access | 💰 Mid‑range; copay‑driven predictable costs | 👥 Those valuing pharmacy access & brand | ✨ $0 primary/virtual urgent care on many designs |
| Anthem BCBS (Elevance) | State HMO/POS options, telehealth, behavioral health support | ★★★★☆ — longstanding networks (state‑dependent) | 💰 Varies by state; competitive in some markets | 👥 Consumers in Anthem states seeking HMO/POS | ✨ Statewide HMO reach in some markets; telehealth |
| Kaiser Permanente | Integrated HMO (care + coverage), strong virtual care | ★★★★★ — high quality, coordinated care | 💰 Typically competitive regionally | 👥 Residents in Kaiser service areas wanting integrated care | ✨ Integrated delivery system & seamless care navigation |
| Cigna Healthcare | ACA plans, $0 preventive, some $0‑deductible designs, myCigna | ★★★★☆ — solid digital experience & 24/7 access | 💰 Mid‑range; ZIP/state dependent | 👥 Families, self‑employed valuing digital tools | ✨ myCigna app, 24/7 clinician access |
| Oscar Health | App‑centric ACA plans, $0 virtual urgent care, tailored programs | ★★★★☆ — strong member experience & app | 💰 Competitive in offered markets | 👥 Tech‑savvy consumers & virtual‑care users | ✨ App experience, transparent cost tools |
| Molina Healthcare | Marketplace plans focused on affordability; Medicaid/Medicare ops | ★★★☆☆ — variable member experience by market | 💰 Typically lower premiums where offered | 👥 Price‑sensitive marketplace shoppers | ✨ Affordable marketplace option with Medicaid expertise |
| Allstate Health Solutions (STM & supplements) | Short‑term medical plans & supplemental products (non‑ACA) | ★★★☆☆ — fast enrollment; benefit limits | 💰 Lower short‑term cost; not comprehensive protection | 👥 People needing temporary/bridge coverage | ✨ Quick enrollment, STM + supplemental bundles |
Making Your Final Decision: From Options to Action
Navigating the transition away from employer-sponsored health coverage can feel overwhelming, but as this guide illustrates, you have a wealth of options. The most important takeaway is that COBRA is often not your only, or even best, choice. Finding a suitable alternative to COBRA insurance is about matching your specific life circumstances, budget, and health needs to the right plan.
We've explored everything from the comprehensive, subsidized coverage available on HealthCare.gov to state-specific programs like Medicaid and CHIP. For those needing a temporary solution, short-term plans from carriers like Allstate Health Solutions can fill a critical gap, though with notable limitations. The key is understanding that each path serves a different purpose. The ideal solution for a self-employed professional will differ greatly from that of an early retiree or a family needing coverage for their adult child.
Key Insights for Your Next Steps
Before making a final choice, it's crucial to distill the information down to what matters most for you. Reflect on these core principles to guide your decision-making process:
- Timing is Everything: Pay strict attention to Special Enrollment Periods (SEPs). Losing your job-based coverage triggers a 60-day window to enroll in an ACA Marketplace plan. Missing this deadline could leave you uninsured until the next Open Enrollment period.
- Subsidies are a Game Changer: Never assume you earn too much for financial assistance on the ACA Marketplace. Premium tax credits and cost-sharing reductions are designed to make coverage affordable for a wide range of incomes. Failing to check your eligibility is a common and costly mistake.
- Coverage Needs vs. Cost: The cheapest plan is not always the best value. A low-premium, high-deductible plan might be perfect for a healthy individual, but it could lead to significant out-of-pocket costs for someone with chronic conditions. Honestly assess your expected medical needs for the coming year.
- Network limitations are Real: Before enrolling with a carrier like Kaiser Permanente, Oscar, or Molina, verify that your preferred doctors, specialists, and hospitals are in-network. An out-of-network provider can result in surprise bills and a major financial headache.
A Practical Checklist for Choosing Your Plan
To turn these options into a concrete action plan, work through the following steps. This structured approach helps ensure you don't miss a critical detail in the process.
- Define Your Budget: Determine the absolute maximum you can comfortably afford for a monthly premium. This single number will immediately narrow your options.
- List Your Non-Negotiables: Write down your essential healthcare needs. Do you have a specific doctor you must keep? Are there prescription drugs you take regularly? Is there a nearby hospital you prefer?
- Check Your Subsidy Eligibility: Use the official HealthCare.gov calculator or a tool like My Policy Quote to get a reliable estimate of the financial assistance you qualify for. This step should be done before you start browsing plans.
- Compare at Least Three Plans: Don't just pick the first affordable option. Line up the top contenders and compare their deductibles, out-of-pocket maximums, copays, and provider networks side-by-side.
- Read the Fine Print: Look closely at the Summary of Benefits and Coverage (SBC) for any plan you are seriously considering. This document clearly outlines what the plan covers and what you will pay for services.
Ultimately, replacing your old health insurance is not just about avoiding a coverage gap; it's an opportunity to take control of your healthcare and find a plan that genuinely works for your life right now. By carefully considering your personal situation and using the tools available, you can move forward with confidence, knowing you've made an informed and sound decision.
Ready to see your personalized options in minutes? The team at My Policy Quote simplifies the entire process, helping you compare every available alternative to COBRA insurance from ACA plans to short-term medical and more. Get a clear, unbiased look at your best-fit plans and enroll with confidence today by visiting My Policy Quote.