Answer a few quick questions and get a plain-English look at how your coverage paths compare — for your exact situation. It's educational, not a quote: no carrier names, no premium figures, no spam. When you're ready for a real number, I'll run it with you for free.
This tool shows you the lay of the land. Your actual cost depends on details only a quick conversation can pin down — and that part I do for free. Book a call, or I'll email you the breakdown.
This estimator is educational and general. It is not an offer, quote, or guarantee of coverage, and it does not name carriers or state premiums. Plan availability, benefits, and rates vary by state and individual eligibility. Nothing here is legal, tax, or financial advice.
There's no single sticker price — and anyone who gives you one before knowing your situation is guessing. What you pay depends on your age, where you live, how many people you're covering, the plan tier you choose, and whether you qualify for income-based marketplace help. That's why this tool is an educational estimator, not a quote engine: it shows you which paths are worth comparing so you walk into a real conversation already knowing the map. When you're self-employed, the two big paths are usually the ACA marketplace (where a subsidy can lower your cost based on income) and the individual/private under-65 market (where flexibility and network are the draw). The right answer is the one that fits your income, your doctors, and how you use care.
COBRA lets you keep your exact job-based plan after you leave — but you pay the full premium yourself, with no employer contribution, which is often a shock. It's not your only option. Losing job-based coverage usually opens a special enrollment window, so you can compare COBRA against a marketplace plan (often subsidized) and private under-65 coverage side by side. For a lot of healthy people, one of the alternatives delivers comparable flexibility for meaningfully less — but not always, which is exactly why it's worth running the numbers both ways before you default to the priciest route. Use the estimator above to see the paths for your situation, then read the full COBRA-alternatives guide →
It maps your coverage paths in plain English — which categories fit your moment, what each one is good for, and what to watch out for. It deliberately does not quote a premium or name a carrier, because an honest number needs your real details. Think of it as the briefing before the conversation: you'll know the right questions to ask and won't get talked into the wrong plan. The next step, whenever you're ready, is a free call where I run your exact numbers and lay the real options side by side.
No — it's an educational estimator. It shows you which coverage paths are worth comparing for your situation, but it doesn't name carriers or state a premium. A real number needs your specific details, which I'll run with you for free.
It depends on your age, ZIP, household size, the plan tier you pick, and whether you qualify for income-based marketplace help. There's no honest one-size answer. The estimator shows the paths; a quick call gets you the real figure.
COBRA keeps your old plan but at full price. Losing job-based coverage usually opens a special enrollment window, so you can compare COBRA against marketplace and private options. Often an alternative costs less for similar flexibility — but not always, so it's worth comparing both ways.
The estimator stores nothing. It never asks health questions. If you choose to get the breakdown emailed, I receive only your name, email, and which situation you picked — used to follow up, nothing else.
No. There's no fee to work with me — I'm compensated by the carriers, not by you. You get a licensed advisor who compares your options in plain English and helps you enroll if you choose to.
A quick call turns the map above into your actual options — compared side by side, in plain English, with no pressure to enroll.