COBRA & COBRA Alternatives

Before we give you all the drab definitions and history of the COBRA law, here are your COBRA alternative plans that you can sign up for right now. These will likely be much less than the coverage offered by your employer (read below to understand differences and options). If you sign up online this coverage can start tomorrow. Also, our rates are the same as everyone's, we just give you more choices and service.

COBRA stands for The Consolidated Omnibus Budget Reconciliation Act (of 1986). Most people know it as that expensive insurance when they leave their job. COBRA is a continuation of benefits from your employer. It is usually more expensive than what you've been used to paying because your employer might have been paying part of or all of the premium.

You'll want to get and/or keep COBRA coverage if you have any health problems, are taking expensive medications that you couldn't pay out of pocket, are pregnant or are going to be pregnant, been declined for coverage before, had a recent accident, or you're looking into your options at the end of your window of opportunity.

If you're healthy and don't have ANY pre-existing condition a short-term plan might be a cheaper alternative than paying for COBRA coverage. A pre-existing condition is ANY condition that you've had prior to now.

Your best option is to be proactive and apply for individual coverage before you have to make a decision about taking COBRA. You can always opt for COBRA and then put in an application for other health insurance if you've waited too long to make a decision. If you get other satisfactory health insurance you can always drop the COBRA coverage. Just be careful, because there's no going back. If you've already settled on a new job that will provide benefits after 90 days a short-term plan might be a very cost-effective alternative to it's more expensive big brother. The following link will take you to our short-term health page. There you can obtain a quote and apply for coverage immediately, if you choose, after looking at three different, competitive companies.

Short Term Health / Temporary Health Page

You will find that this coverage is very inexpensive, but be sure you have a game plan to get new coverage after this expires. We can try to help you with that if you contact us before current coverage expires. We take no responsibility in the decisions you make. We only try to help you make an informed decision. Your risk with short-term policies is not being able to secure coverage after it expires. We put our phone number on every page for a reason, please use it. Again, if you you've been here before you know that nobody has better prices or coverage than us. If they did, it wouldn't take us long to offer that product on our site.

Never ever cancel coverage before you have new coverage in place.

To get more information about COBRA click here.