COBRA Insurance
National Covid-19 Pandemic: Changes In Deadlines, Federal Subsidy

When should you elect COBRA benefits?

After a qualifying event, many families have to make hard financial choices. Health insurance is a must and the decision to stay on your former employer’s group health plan needs consideration of your medical needs and the cost of insurance.

When should you continue your group health plan benefits under COBRA?

You should consider continuing your health benefits under COBRA if you:

  • Have had comprehensive benefits and don’t mind paying a higher premium
  • Want continual, guaranteed coverage at a higher cost.
  • Have had recent health problems.
  • Have had ongoing health problems.
  • Are taking expensive medications.
  • Have been declined for private insurance recently.
  • Have a history of medical problems.
  • Have had an accident within the 60 day window of enrollment.
  • Are pregnant or planning to become pregnant.
  • Got a job and your new employer does not offer a health plan.

When Should You Consider an Alternative To COBRA?

  • Have no pre-existing conditions
  • Want continual coverage at a lower cost
  • Have had no health problems
  • Have not received any advice from medical professionals advising you to undergo a medical procedure in the future.
  • You are not pregnant or plan on becoming pregnant soon

Why Temporary Health Insurance Is Better Than COBRA

When you’re facing a loss of medical coverage due to temporary gaps in employment or another factor, purchasing COBRA coverage could initially seem like the right choice to protect your health and finances. Consider these three reasons why temporary health insurance is better than COBRA.
cobra insurance customer service representative on the phone

Do You Need Health Insurance Advice?


The COBRA Insurance website helps workers with their insurance options while in-between jobs. If you need further assistance, please speak with our Certified Insurance Experts.

You may also begin to compare and enroll in a qualified insurance plan.

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