American Rescue Plan Act of 2021’s COBRA Subsidy Ends September 31. What’s next?

Enrolling In Health Insurance Online

Private health insurance marketplaces have the same medical plans with the same premiums as healthcare.gov and many other plans you won’t find on the federal marketplace. You won’t pay additional fees.

Enrollments in a private marketplace are easier. The process is straightforward, your information is secure and you can always call for assistance.

What’s Best For Me?

There are a lot of plans to compare. When you enroll in health insurance online, you can always contact customer service to ask questions. Licensed insurance agents can guide you through the best plan that fits your budget. You won’t find this assistance on government marketplaces.

What Is A Qualifying Event?

Qualifying events are specific circumstances that would cause an individual to lose employer subsidized health coverage. The type of qualifying event will determine who the beneficiaries are and the amount of time that a plan must offer the health coverage to them under COBRA. A plan, at its discretion, may provide longer periods of continuation coverage.

Enrolling In Health Insurance Online

Many health insurance websites, like COBRAinsurance.com, offer an online portal to register, enroll and make monthly premium payments.

These online health insurance marketplaces will show you all of your health insurance options available in your zip code. Additionally, all plans have additional details that can be viewed in PDF files.

Compare and enroll in health plans in the COBRAinsurance.com marketplace.

COBRA Is A Major Medical Plan

When you sign up for COBRA, you are keeping the same work health insurance you had when you were employed. Employer-sponsored health insurance is required to be a comprehensive plan.

These are major medical plans that cover:

  • Surgeries
  • Preventative Care
  • Pre-Existing Conditions
  • Typically, Prescription Drugs

If you are looking for the same health insurance coverage that you had with your work plan, you’ll want to use your COBRA rights to keep that coverage or find a new permanent comprehensive health plan.

Short-Term Medical Is Temporary

If COBRA is unavailable or if you simply can not afford it, you can get alternative  health coverage for new illnesses or injuries. Short-Term Medical plans are used to “get by” until your next major medical insurance starts. This type of insurance is also known as “gap insurance”.

These plans are not for everyone, but may may be a good choice for you if:

  • You have no pre-existing conditions.
  • Want to stay insured at a lower cost.
  • You are not pregnant or plan on becoming pregnant soon.
  • Have had no recent health problems.
  • Have not received any advice from medical professionals advising you to undergo a medical procedure in the future.
  • When you need health insurance and it’s not yet a federal open enrollment period to enroll in a qualified health plan.

Temporary Short-Term Medical Health Insurance

The cost of short-term medical insurance is dependent on your age, state you live in and if you are a tobacco user. As short-term health insurance doesn’t cover pre-existing conditions, they are quite affordable.

Here are some examples of available short-term health plans:

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Plan Details: (Download PDF)

Available in: AL, AR, AZ*, CA, DC*, DE, FL, GA, HI, ID, IL*, IN, IA, KY, LA, MI, MS, ND, NE, NM, NV, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI, WY

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Plan Details: (Download PDF)

Available in: AL*, AZ*, AR*, FL*, GA*, IL*, IN*, KY, LA, MS*, MO, NE*, NV, NC, OH*, OK, OR, SC*, SD, TN*, TX*, VA*, WV*, WI*, WY

The Simple Term Health Insurance Plan provides insurance coverage in a different way. Short Term Health helps to protect you from the medical bills that can result from unexpected injuries and sickness.

Plan Details: (Download PDF)

Available in: AL, AR, DE, IL, IN, KS, KY, LA, MI, MS, MT, NE, ND, OK, WV, WI, WY

Other Coverage

Major medical and short-term plans often won’t include other health benefits. Many individuals and families will need to look for private dental and vision insurance outside of the existing plan.

Dental Insurance

The Core Dental Insurance plans can provide coverage for preventive, basic and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards® and more.

Vision Plans

The Core Dental Insurance plans can provide coverage for preventive, basic, and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards®, and more.

Is COBRA Right For Me? Get Expert Advice.

Save Up To 65% Over Choosing COBRA

877-262-7241

The COBRA Insurance website helps workers with their insurance options while in-between employers. If you have questions about choosing COBRA, please call our HealthCare.gov Certified Insurance Specialists.
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Short-Term Health Insurance is popular and available in most states to cover gaps between major medical plans.

These plans also cover COVID-19 hospitalization. After deductibles and coinsurance, many plans will have $1 million in coverage.


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