COBRA Insurance Logo

COBRA is a federal law.
Not an insurance company.

COBRA Insurance Logo

COBRA is a federal law.
Not an insurance company.


Is COBRA Right For Me? Get Expert Advice. (a private insurance company) helps workers and families with their temporary insurance options while in-between major medical plans.

If you have questions about choosing COBRA, please call our Licenced Insurance Agents.

Free COBRA Insurance Consult

877-262-7241 | Live Chat

COBRA Eligibility


Accident Only Plans Start At $44/mo
(includes free Telehealth)

Coverage starting tomorrow!

Short-Term Medical Insurance

An alternative if COBRA is unavailable or too expensive. Coverage for new illnesses and emergencies.

These plans cost a fraction of employer COBRA.

No Paperwork – Enroll Online

Accident Only Plans Start At $44/mo
(includes free Telehealth with prescribing doctors)

Coverage starting tomorrow!

Talk With A COBRA Advisor


Live Chat

Employer COBRA

The smart choice if you have pre-existing conditions and visit doctors and clinics often.

Keep your same benefits and deductibles.

Continue Workplace Insurance

Approximately $500 -800 / per person
(continuation of the same plan you had)

Coverage is Retroactive

Employers have 45 days to send you a packet of COBRA information about restarting your workplace insurance. If you haven’t received it yet, contact the HR department from whom the insurance was through.

COBRA Or A Temporary Alternative?

After your workplace benefits end, the COBRA law allows you to continue on your workplace health insurance for 18 or 36 months, depending on the qualifying event.

COBRA is only available to qualified beneficiares of an employer’s group health plan, where the company employs 20 or more workers.

When you elect COBRA, you pay the entire premium, including the portion the employer was paying. This may cost $450 – $800/month per individual. It’s good for those with preexisting health conditions and visit the doctor often.

You may remain insured for new illnesses and accidents using an alternative temporary health plan.

Term Health Plans

If you are in good health, not pregnant, or planning to become pregnant, an alternative to COBRA is Short-Term Medical insurance.

Affordable gap coverage is a popular option and is available in most states to provide minimum coverage during job transitions.

Temporary Solution To Cover Gaps

Short-Term Health Insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.

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Short Term Health Insurance Options

COBRA Insurance Questions

Who's Eligible?

If your previous employer has 20 or more employees, you qualify for COBRA after a qualifying event.

Is It For Me?

If you or your covered dependents have health issues, visit the doctors often or have many prescriptions, then staying on your previous medical insurance through COBRA coverage may be best.

What Is The Cost Of COBRA?

COBRA Insurance benefits may be too expensive. If that’s the case, a temporary short term medical policy may be right for you.

Consolidated Omnibus Budget Reconciliation Act of 1985
COBRA is not a company, it’s a law

COBRA or Consolidated Omnibus Budget Reconciliation Act of 1985 allows a temporary continuation of group health care benefits from your workplace that you had when you were unemployed. Eligibility for continuation of workplace benefits requires a qualifying event, such as job loss or temporary reduction in hours. These qualifying events then trigger a special enrollment period.

Remain Insured

Accident Only plans start at $44*
with coverage starting tomorrow!

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Get A Quote, Enroll Online
View Plans

Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.

*Eligibility for short term medical insurance is based on age and state availability.