Whether your COBRA is running out, you're between jobs, or you just left an employer plan, a gap in coverage is the last thing you need. The good news: losing coverage is usually a qualifying life event, which means you don't have to wait for open enrollment to get insured again.
COBRA lets you keep your old plan — but you pay the full premium with no employer contribution, which is often shockingly expensive. For a lot of healthy people, a private plan offers comparable flexibility for meaningfully less.
The sticker shock is real: the same plan that felt affordable through work can more than double once your employer stops chipping in. Before you auto-enroll in COBRA, it's worth seeing what else is on the table.
I move quickly. Tell me when your coverage ends and I'll compare private options that can bridge the gap so you're never left uninsured. Many can be enrolled outside open enrollment, and I handle the details so you can focus on the transition.
Losing coverage often opens a special window to enroll — so you may not have to wait for the usual open-enrollment season.
For many healthy people, a private plan can offer comparable flexibility for meaningfully less than full-price COBRA.
When your coverage is ending soon, I respond quickly so a gap never turns into an out-of-pocket emergency.
Your plan isn't tied to a former employer — it moves with you into whatever comes next.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →Buying your own coverage for your household instead of through a job.
Explore family coverage →Covering yourself as the owner or a small team without enterprise cost.
Explore group coverage →Tell me when your coverage ends and I'll move fast to bridge the gap before it costs you.