03 — Coverage Ending

Don't pay COBRA rates.
You have better options.

Losing job coverage triggers a Special Enrollment Period — and almost always reveals options that cost significantly less than COBRA. I move fast when you need it.

Time-sensitive: Job loss triggers a 60-day Special Enrollment Period for ACA plans. Private plans can often be activated even faster. Call me today and we'll have options in front of you within 24 hours.
Why COBRA is usually the wrong move

COBRA keeps the same plan but drops the employer subsidy.

Your employer was likely covering 60–80% of your premium. COBRA hands that full cost back to you, plus a 2% admin fee. What felt like an affordable benefit can suddenly cost $600–$1,800/month for a family.

In almost every case I see, there's a better option — either a private plan you can start right away, or an ACA marketplace plan with a subsidy that makes it dramatically cheaper than COBRA.

  • 60-day SEP after job loss for ACA marketplace plans
  • Private plans available without waiting for enrollment windows
  • Subsidy eligibility often increases after job loss
  • Coverage can start as soon as the 1st of next month
  • Bridge options while you look for the right long-term plan
Retiring before 65?
The gap between retirement and Medicare eligibility is one of the most coverage-critical stretches of your life. Many early retirees overpay significantly for this bridge. I'll find the right plan for your income and health situation so you're not just defaulting to whatever's available.
Between jobs short-term?
If you know you'll have new employer coverage starting soon, short-term health plans can bridge the gap affordably. They're not full ACA coverage, but they protect you from a catastrophic expense during a transition.
Laid off or furloughed?
Even if you're planning to go back to work soon, being uninsured for even a few weeks carries real risk. Let me price out your options — a month of coverage often costs far less than people expect.

Don't wait — the clock is ticking

Call me today.
Options by tomorrow.

I've helped dozens of people navigate the gap between jobs. Tell me your situation and I'll tell you exactly what you have access to right now.

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Prefer to call? (719) 661-9957 — I pick up.