We compare COBRA to the alternatives.
Side by side. Real numbers. Same coverage levels. So you know whether the COBRA election is worth it for your situation, not just because it's the default.
Between jobs
Lost your employer plan? Don’t sign up for COBRA yet.
Plansure brokers help you find a plan that costs a fraction of COBRA. Coverage can start as soon as tomorrow.
What this means for you
The between-jobs coverage shortlist.
- COBRA is the full unsubsidized premium plus a 2% admin fee. Most people overpay.
- Losing employer coverage triggers a 60-day Special Enrollment Period on the ACA marketplace.
- Short-term medical can start as soon as tomorrow, so there's no gap.
- Most plans cost less than half what COBRA would. We'll show you the math.
How we help
What working with Plansure looks like.
We close the gap fast.
If you need coverage in a week, we write short-term medical. If you can wait for the 1st of next month, we'll quote ACA marketplace plans. Often both, depending on the situation.
We file your SEP.
Losing a job is a qualifying life event. We submit the proof and get you enrolled in the ACA plan during the 60-day window.
Or call a broker at (817) 632-5155
Skip COBRA. Get a real quote.
Drop your info and a Plansure broker compares your options before you commit.
Common questions
Questions most clients ask.
- Most plans give you 60 days to elect COBRA after your coverage ends, and another 45 days to make your first payment. That's plenty of time to compare alternatives before you commit.
- Usually no. Short-term medical can start the day after you sign, and ACA SEP enrollments can be effective the next 1st of the month. We'll line up dates so there's no gap.
- ACA marketplace plans cover pre-existing conditions in full. Short-term plans may exclude them. We'll tell you which option fits your situation.