COBRA lets you keep your employer's group plan after you leave a job — but you take on the full premium, including the part your employer used to pay. It's usually the most expensive way to stay covered, often significantly more than an alternative plan would cost you.
COBRA is a federal law that lets you continue the exact same group health plan you had through your employer, typically for up to 18 months after a qualifying event like a job loss. You usually have 60 days from your coverage end date to elect it.
Your employer was likely covering a meaningful portion of your premium while you were on staff. Under COBRA, you pay the full group premium yourself — so the same plan can suddenly cost quite a bit more than it did as an employee. The exact difference depends on your specific plan and employer contribution, which is part of what we'd look at together.
You're allowed to shop around instead of defaulting into COBRA. Let's find out honestly which option actually makes sense for you.
A first call is free and there's no obligation to enroll through me — I'll tell you honestly if this is the right move.