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Health Insurance After Divorce: What Are My Options?

What Happens To Health Insurance After A Divorce?

Divorce is not an easy topic to talk about. While the questions of “who gets the house”, and “what will happen with the kids?” are obviously the most pressing questions in this situation, divorce is so complex that there are likely hundreds of procedural questions that must be confronted before, during and after a split.

“I’m on my spouse’s health insurance, what will happen to me after we split?”

-The Most Important Divorce Question That No One Thinks About

After a divorce, your former spouse is supposed to cover your health insurance premiums but this only happens for a time. Many people forget that if paying the premiums is not part of the divorce settlements, you will be dropped from the other party’s health insurance plan once the divorce is settled. This is the reason why it is recommended that you know your options before taking up a health insurance plan. Here are a few options that you should consider for health insurance after a divorce.

COBRA and Divorce

A divorce will mean that you are left without your partner’s company health insurance plan. However, COBRA guarantees that you are still entitled to up to 30 months of insurance coverage (the length of the duration of cover is dependent on the circumstances of the divorce.) To qualify for COBRA extended coverage, your ex must be working in a firm with more than 20 employees. 

However, there are some states with mini-COBRA that cover businesses with less than 20 employees. once the COBRA health insurance coverage is terminated, you are required to re-apply for the same within 60 days, only this time you will be the one paying premiums and not your former spouse’s employer. COBRA is appealing to divorced individuals who have already accrued a significant amount of medical expenses as they do not have to start over once their COBRA insurance policy is terminated.

Employer Health Insurance Coverage After Divorce

After a divorce, you are eligible for health insurance from the employer provided that you are under active employment. This option is considered to be more cost-effective compared to COBRA and does not drag your ex-partner into paying your premiums. However, one thing you need to understand is that this option can only be accessed during specific periods during the year. There are unique situations that can give you special enrollment to the Employer Health Insurance Plan as it is the case with a divorce.

How Divorce Affects Obamacare Health Plan

The good thing why you should consider Obamacare health insurance is because even with your employer’s health insurance plan, you are still eligible for the latter. This is because Obamacare is either run by the state or the federal governments. Obamacare is almost similar to the employer health insurance plan since you have 60 days after a divorce to apply for coverage during a period referred to as a special enrollment period. If the 60 days lapse without you having applied for Obamacare health insurance, then you would have to wait for the regular enrollment period that takes place towards the end of the year.

Short Term Health Insurance for Divorcees

Short-term health insurance is a good option for people who cannot afford Obamacare or feel that they are likely to get formal employment in the near future. Of course not every health insurance plan matches your budget for the same. There are a number of things that you should know about short term health insurance one of them being that this option is not for people with pre-existing medical conditions. This blanket exclusion sometimes makes this option unattractive to people since Obamacare and the employer plan allow people with pre-existing conditions to enroll.

In the event of a divorce, finding the right health insurance option should not be problematic as long as you know what to look for in the right plan. Divorce is a difficult event and if your judgment is clouded, chances are that you will rush to choose a health insurance plan that is not ideal for you and your family. For this reason, be sure to use Health Plan Options Today to help find a plan that will usher in the next chapter of your life while guaranteeing good health and wellness. Click the button below or call our hotline at 888-375-8879 to get started on your journey.

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COVID Relief Bill Changes COBRA

What does President Biden’s new bill mean for COBRA insurance?

What Pres. Biden’s New Relief Bill Means for COBRA Insurance?

Just days before he was elected president, Joe Biden outlined his agenda for post-COVID-19 recovery efforts- which include provision of subsidized COBRA coverage. The then president-elect laid out an elaborate plan to address the healthcare challenges by increasing Affordable Care Act subsidies, while paid leave obligations for employers are also set to increase.

COBRA continuing coverage is one of the key highlights of Biden’s administration, with continuing coverage being extended until September 2021. COBRA continuing coverage will address healthcare needs for people who have lost jobs but do not specify the amounts to be allocated to each individual.

Government Will fully cover Laid-off Workers’ COBRA Premiums Through September

Last year, the Democrat-controlled house approved the first Heroes Act thus giving workers who had been laid off, had their hours cut or furloughed by offering them a 100% subsidy.

According to a report by the Kaiser Family Foundation, it is estimated that approximately three million people were laid off and subsequently lost their employer-sponsored health insurance between March and September 2020.

The American Rescue Plan is therefore address healthcare coverage through COBRA. While some COBRA policies during the COVID-19 era were confusing especially to employers, some organizations such as America’s Health Insurance Plans (AHIP) have been agitating that the government continues with COBRA for several months.

A brief by the Kaiser Family Foundation found that by extending COBRA relief, the issue of non-insurance would reduce. If COBRA relief was to be extended up to two years, that period would cost the government an estimated $106 billion. However, extending COBRA relief could eventually address some of the main concerns that cause high premiums.

How Capping Health Insurance Premiums Will Affect Workers

The plan to cap premiums of the Affordable Care Act by Biden’s administration also seeks to address the issue of high health insurance premiums. The Trump administration was opposed to the Affordable Care Act and even went ahead and reduced premiums when Donald Trump was in office. This led to a decrease in Affordable Care Act marketplace premiums as they were only accessible to people eligible for premium tax credits.

Who are the Major Beneficiaries?

The current administration is hoping that by increasing premium tax credits, more than ten million Americans who rely on premium-related healthcare will spend much less. The new plan by Biden administration is to first address the veterans who took the greatest hit after the COVID-19 pandemic.

Prior to the crisis caused by COVID, the Veteran Health Administration had registered some success with very low non-adherence rate. After the COVID-19 crisis, the Veteran Health Administration was pivotal toward addressing the health crisis, especially toward the communities that were most affected.

The Veteran Health Administration also maintained coverage to veterans after most of them lost their employer-sponsored health insurance. Such efforts are what put the organization under the current financial strain.

What the new Relief Bill Means for COBRA insurance

Thanks to the $1.9 trillion stimulus package, Biden administration will maintain laid-off workers employer-sponsored health insurance up to September. However, what is unclear is how many Americans will benefit from the relief bill.

Some experts agree that the statistics seem to show that while the COBRA extensions have been good on paper, people haven’t been signing up at the rate that policymakers likely hoped for. While lack of knowledge of the ins and outs of this program is probably partially to blame, there are likely other reasons as well.

For one, COBRA can be expensive if you don’t know what your options are. After all, COBRA at its most basic definition means that you’ll have to pay your portion of the premium as well as the employer’s portion. Another issue is that people may not understand the signup process for COBRA and just don’t bother.

In order to find out what your options are or get a walkthrough of COBRA, click the button below or call our hotline at 888-375-8879 to speak directly to an agent..

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PPO vs HMO Plans

What’s The Difference Between HMO and PPO Plans?

Let’s suppose you’re looking into the best health insurance plans for you and your family. Of course, you want to ensure that the plan you choose meets your needs and is budget friendly, while allowing you to see your preferred doctors or specialists. Early in the search, you realize there are several types of plan options available, but you notice that HMO (health maintenance organization) and PPO (preferred provider organization) plans are the most common. However, it’s hard to understand the difference between the two and almost seems like an impossible choice.

You’re not alone. HMOs and PPOs are distinct healthcare plans and networks, and each provides members with quality care and benefits; they also have their own pros and cons. The main differences between them usually pertain to cost, network size, ability to see specialists, and out-of-network coverage. How can each plan benefit you and your family? What’s the best choice for your situation?

Understanding The Choice Between HMO and PPO PLans

An HMO, or a Health Maintenance Organization, is based on a network of specific doctors, hospitals and other healthcare providers within a certain geographical area. Generally it only covers care that is offered by the carrier’s contracted in-network providers. Typically you have to choose a PCP, which is known as a Primary Care Physician, and get a referral before you can see a specialist or have special tests done. Because they work with a limited number of providers, they are able to negotiate pricing, which leaves you with lower cost premiums and out-of-pocket costs. However, there is almost always a deductible – which is the amount you must pay up-front before insurance benefits kick in to cover costs. Also remember, you are restricted to who you can utilize for your healthcare needs, unless it is a medical emergency. So if your current doctor is not within the network, you will have to choose a new primary physician or forgo that coverage, opting to pay for out-of-network services yourself.

A PPO, or Preferred Provider Organization, is designed to offer flexibility when choosing doctors, hospitals and other providers. They have a larger and wider network to access, and unlike HMOs, they offer you the freedom to choose to continue to utilize specific out-of-network services you may prefer. You don’t need to choose a PCP, referrals to see a specialist are not required, and you are able to utilize your coverage in a broader region, even nationally. However, while costs are more affordable to use the in-network providers, you can run into higher premiums or out-of-pocket costs in exchange for more flexibility. If you use an out-of-network doctor, you will typically have to pay your copay in full as well as cover the cost of the medical bill, and then submit a claim to your PPO for reimbursement. Overall, you will be a bit more responsible for managing or coordinating your care and needs.

Making the best decision for your family comes down to what is more valuable to you; lower costs and increased rigidity in your healthcare options, or greater flexibility in coverage and potentially higher costs. HMOs may be better for you if you don’t mind having to utilize specific doctors, but if you have a large family or are a heavy healthcare user, a PPO may be your best option. With either plan, consider checking to see if your preferred providers are already in the network and do your research to ensure you are securing the best coverage for you and your family.

If you’re unsure which type of plan to choose, it’s worth it to get in touch with Health Plan Options Today to speak about private insurance costs. Call their hotline at 888-375-8879 or click below to get more information from our team.

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Why Having Private Health Insurance Can Be Beneficial

Years ago, most employees obtained health insurance through their job. Employers handled all the hard work- like researching which insurance company to use and picking coverage options for their entire work staff. However, a lot has changed recently and “group coverage”, as employer-sponsored coverage is called, is not the same anymore. Employers are cutting costs and healthcare is only getting more expensive, and if an employer offers corporate health insurance plans, it is not always the best or most affordable option for their employees. Many people are turning to private health insurance as their insurance option as a result of this trend.

Why Buy Private Health Insurance?

There are a long list of reasons to buy private health insurance, but here are just a few:

Your Insurance Isn’t Tied To Your Job, and Neither Should You Be: It’s sad but true- many people who are facing long-term medical issues will hold onto a job just for the health insurance, even if the job isn’t necessarily the best situation for them or if there’s a better offer on the table. Private insurance allows people the freedom of mobility between jobs.

Curate Your For Your Favorite Doctors: It’s like a love story gone bad, but we’ve all seen it happen: someone switches insurance plans, then they’re not able to see their doctor that they’ve been visiting for 20 years, simply because their doctor is not in-network. Another sad case is the person who asks to be hospitalized at a hospital several miles from home, because the hospital a few miles from their house isn’t in-network. The private insurance option allows people to pick a plan that is associated with the hospitals and doctors they prefer.

Curate For Your Needs: Planning to start or expand a family soon? If you have a family already, is your child going to need braces next year? In these cases, quality medical coverage for pregnancy and dental coverage might be needs worth considering when shopping for private insurance plans. Another advantage of private medical insurance is that you can shop for your needs when shopping for a medical plan, you’re not just bound to what your employer thinks you need.

How Much Does Private Insurance Cost?

There’s a general perception that private insurance is more expensive than group insurance. It may surprise you that this isn’t necessarily the case, especially depending on what state you live in. Depending on which state you live in, it may be mandated that private insurance acts like group insurance by sharing costs- but unlike employer-sponsored group insurance which shares costs across a company, these private insurance shares costs across the entire state.

If you’re not sure what kind of state you live in or how much private insurance costs in your state, it’s worth it to get in touch with Health Plan Options Today to speak about private insurance costs. Call their hotline at 888-375-8879 or click below to get more information from our team.

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New Law Brings Online Shopping To Hospital Visits

A law that went into effect on January 1, 2021 seeks to make hospital visits less of a guessing game and more of a shopping experience.

Every January 1st, new laws go into effect across the United States. Usually by this time, the debate has been long over on most of these laws and the media attention on the passage of these laws has died down. As a result, the majority of these new regulations go unnoticed by most people. Some of these laws make changes that we happen to notice in passing, such as a highway being renamed or the expansion of a national park. Occasionally, one of these “unknown laws” ends up making major changes to the way regular people approach their lives, and the American public doesn’t notice until much later.

This was the case on January 1st, 2021, when a law that encourages price transparency for hospital visits officially went into effect. This law, which is known popularly as (you guessed it) the Price Transparency Rule may have the most impact on American healthcare since the passage of the Affordable Care Act, “Obamacare”, in 2010.

This new transparency law was originally passed in 2019, but has very modern implications. Under the new law, hospitals must publicly disclose the price of every item and service they provide to patients via an “easy to understand” page on their website. The aim of this law is to increase competition, which will, in the words of the law, “ultimately drive down the cost of healthcare services, making them more affordable for all patients” (see the actual law here).

How Might This Law Change Hospital Prices?

Most people will agree that the price of many hospital services is simply out of hand. The reason for this is a topic of a debate that has no single right answer.

For example, consumer advocates say that the high prices are the result of secret collaboration between hospitals and insurance companies. They believe that large health insurance networks and hospital networks have collaborated to keep costs high for non-insured people but low for insurance companies. This is totally feasible, considering that it’s no secret that major hospital networks make their money by treating hospital visits as commodities and patients as numbers.

On another hand, economists say that the price issue has emerged because in the world’s biggest free-market economy, one of our nation’s biggest businesses- medicine- does not operate in a truly free-market way. They say if people can’t shop around for the best deal, then prices can’t drop to attract new clients, and each hospital can more or less act as a monopoly to itself.

The Price Transparency Rule seeks to remove the “guessing game” factor from hospital visits.

While both those explanations and others all have some truth to them, the bottom line is that most people go into the hospital with no idea how much the stay will cost. This keeps people from visiting the hospital in the first place, as they are afraid to be saddled with a massive bill that may have a worse impact than whatever they’re visiting the hospital for in the first place. If this law does serve to increase competition and lower prices in the long-term, society will be better off for it, simply for quality-of-life reasons.

How Will Everyday People Benefit From Price Transparency?

For those in the know, there was an earlier law that made hospitals make their “chargemasters” public (a chargemaster is a list of a hospital’s services that isn’t quite a good example of the actual price of care). This law goes several steps further than that law did.

Every hospital must now post the prices for everything they charge patients for, and must list the “cash” price as well as the “insurance” price, which is likely to be much lower than the cash price. They also must post a list of costs for services that are most commonly needed at hospitals, like having a baby or getting an MRI. The new law provides a list of 300 of these services, but only 70 of these 300 are mandated to be listed by each hospital. In addition, the prices the hospitals provide must include all costs from admission to release, so there’s less room for surprise, although at the end of the day, the prices given are still estimates.

While this law may not help people who are rushing to fix emergency-room situations, this will help people comparison shop for the services we use most often, such as mammograms, X-Rays, or even psychotherapy. It makes sense that people without insurance or with high insurance deductibles will likely benefit the most from these lists.

Who Could Possibly Not Like This Law?

As you may have already guessed, the hospital industry isn’t too pleased with the passage of this law. Even before the law went into effect, the American Hospital Association (AHA) took to the courts to attempt to have the law removed from the books, saying that the law violates their First Amendment rights. This challenge was struck down by the court system, as was a later appeal by AHA lawyers in December 2020. The AHA has publicly stated that they’re not done yet, and they’ll attempt to communicate directly to the Biden administration to try to make a change.

There is one other group that is involved in the price struggles that haven’t been mentioned yet: health insurance companies. Rest assured, health insurers aren’t being left off the hook- their version of this law will be coming into effect in 2022.

If you’re in need of health insurance, don’t wait until you see a hospital bill to take action . Our plans start as low as $160/ month. Get in touch with our hotline at 888-375-8879 or click the button below and we’ll help you get a health insurance quote in 3 easy steps.

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Is There a Health Insurance Penalty in 2021?

Is health insurance required in the United States? The short answer: yes and no.

When the Affordable Care Act (ACA), or “Obamacare”, was launched in 2010, one of the biggest debates surrounding the law was not the idea of “healthcare for all” or what types of health incidents the ACA covers or doesn’t cover, but the idea that the act made health insurance mandatory for all Americans. While the law did not say anything like “you must have health insurance or you’ll go to jail”, it did create a tax penalty- popularly known as “the health insurance penalty”- for anyone without health insurance. One side of the political aisle said that this idea-  which simply became known as “the mandate”-  infringed on the freedom of Americans, while the other side felt that it was everyone’s right to have affordable health insurance, and a mandated public option would help keep costs down for everyone.

The Affordable Care act was launched nearly 10 years ago, and still never fails to be a major lightning rod in Washington, D.C. and in state government offices, especially during election season. While the individual mandate was lifted on the federal level in 2019, portions of the mandate still remain in the actual Obamacare law and in some states; these portions still create plenty of discussion everywhere in the United States.

What Is The Penalty For Not Having Health Insurance?

The national health insurance mandate was not as one-sided as we may have implied. While the mandate established a tax penalty for those without insurance, it also created a special premium tax credit for people with insurance, which served to help lessen the cost of health insurance. It also created provisions to expand Medicare for lower-income families. Congress voted to remove the federally mandated penalty for not having health insurance in 2017 via a law that became effective on January 1, 2019.

Some states, however, have their own insurance marketplaces, and have created their own mandated insurance, using a state tax penalty/tax credit system that is similar to the original federal system. As of early 2021, these states are as follows:

  • Massachusetts
  • Rhode Island
  • Vermont
  • California
  • New Jersey

In addition, the District of Colombia also has its own mandate. New Mexico, Kentucky, Maine, and Virginia are all expected to open their own marketplaces within the next two years, and Maryland, Hawaii, Connecticut, and Pennsylvania have made progress on creating mandatory healthcare law for their residents as well.

Pros and Cons Upsides and Downsides To Revoking The Health Insurance Penalty

In the words of the great Sir Isaac Newton, “with every action, there is an equal and opposite reaction”. In the case of the removal of the health insurance mandate, people quit their health insurance when it was no longer required in order to save money. Experts estimate that as many as 4 million people quit their health insurance solely based upon the removal of the health insurance mandate.

The biggest benefit of removing the mandate, especially for healthy young people, is that without having to pay for health insurance, a little more money can stay in one’s pocket. Stories have appeared of people who have used the mandate removal to their advantage, and have gotten rid of their insurance, then actually negotiated major health costs on their own and come out ahead of the system.

The downside, of course, is what Obamacare was originally created to avoid- not having health insurance is a major risk. Due to the extreme costs of healthcare in the US, most people without insurance or major savings are only one major medical crisis away from financial ruin or bankruptcy. Consider this- the average cost of an emergency room visit in 2018 was roughly $2000, which is nothing to laugh at, considering that in the pandemic era, surveys show that 25% of Americans have no emergency savings at all.

How To Compare Health Insurance

While the healthcare marketplace is one way to shop for insurance, there are other ways to shop that include other types of health insurance, such as private insurance and short-term coverage. The team at can help walk you through your options and get coverage in 3 easy steps, just click the button below to get started.

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The Health Insurance Marketplace Is Now Open

Millions of Americans are able to take advantage of the current special enrollment period, which lasts through May 15, 2021. Here’s what to expect out of Obamacare in the near future.

With one stroke of his pen, President Biden changed our country’s access to healthcare. On Thursday, January 28, 2021, after less than two weeks in office, the Biden-Harris Administration issued two executive orders that spurred a series of initiatives that will strengthen the American health care marketplaces.

President Biden’s two executive orders directed the Department of Health and Human Services (HHS) to reopen, which is the health insurance marketplace enacted by the Affordable Care Act (ACA)- more popularly known as Obamacare. These executive actions established a special health insurance enrollment period from February 15, 2021 – May 15, 2021, which would allow tens of millions of uninsured Americans in 36 states to secure an affordable health insurance plan. HHS has pledged to spend $50 million on outreach campaigns that encourage uninsured individuals to visit to explore their coverage options, complete unfinished applications, and enroll in a health plan.

Access to quality healthcare is a prevalent issue in this country that affects millions of Americans across geographic, racial, and social boundaries. These healthcare-related executive orders represent the commitment that the Biden-Harris Administration made in the American Rescue Plan to expand and protect Obamacare coverage, meet the growing healthcare needs created by the pandemic and strengthen healthcare services offered by federal agencies.

The Directive’s Changes to Obamacare and Medicaid

Although this special enrollment period is the only action specified by President Biden’s executive order, these directives place the spotlight on federal agencies. When it comes to Medicaid and the ACA, Biden called for federal agencies that interact with these programs to reexamine (1) the policies that limit healthcare protections of individuals with pre-existing medical conditions under the Affordable Care Act, (2) the practices that make Medicaid eligibility difficult, (3) the practices that create barriers to enrolling in Medicaid and ACA, (4) the policies and practices that increase insurance premiums for policyholders and dependents.

While the President’s order doesn’t go into detail and provide specific insight into what actions Medicaid, HHS and their corresponding federal agencies should take, this order is likely to reverse several policies established by the previous administration. It’s clear that the Biden-Harris administration is taking a powerful stance on Medicaid Policy and preparing to reestablish Medicaid as a foundational part of the Affordable Care Act, especially during the pandemic where millions of Americans have lost their jobs and can no longer afford health insurance.

Insuring and Ensuring Women’s Health

A significant part of Biden’s executive order was his nationwide presidential memorandum that sought to protect women’s health and reproductive rights. In this memorandum, Biden rescinded aggressive policies established by the previous Administration that modified women’s access to a variety of healthcare services, and also expanded other services that pertain to women’s reproductive health and sexual health.

How Does The Health Insurance Marketplace Reopen Affect Me?

Do you have health insurance? In the last year, millions of Americans were laid off due to the pandemic and subsequently lost their healthcare insurance, and due to hardship, unfortunately did not get Cobra insurance after losing their job. Fortunately, Biden’s executive orders give uninsured individuals additional time to enroll in Medicaid or find affordable comprehensive coverage under the Affordable Care Act.

Can I Buy Health Insurance That is Not Obamacare?

Many people wish to seek out other insurance options outside of Obamacare and aren’t sure where to start. Out team at Health Plan Options Today specializes in helping people explore their healthcare insurance options to get health coverage that is perfectly suited for their budget and their needs. Our experts are standing by to help you! Click the button below or call 1-888-375-8879 to start discussing your insurance options.


Got Obamacare? Then You’re Automatically Covered For This.

Obamacare includes a “coverage bill of rights” that helps raise the standard for all American health coverage plans.

Over ten years in, the Affordable Care Act (also known as “ACA” or “Obamacare”) has become such a major part of American life that it’s almost hard to remember that it was a truly groundbreaking- and highly controversial- law upon passage in 2010. Aside from offering more accessible healthcare options for all Americans, the ACA most notably represented an overhaul to the way Americans and American companies approach healthcare. In many disadvantaged communities, healthcare coverage was the exception, not the rule, prior the passage of ACA. Although there is still a long way to go, now that has clearly shifted drastically.

Because Obamacare represents such a major change from earlier healthcare practices, some of the smaller advances it assures are often forgotten when people discuss the law, but are no less deserving of recognition.

A shining example of this is the idea of essential health benefits. This portion of the act states that there are 10 categories of service that every type of Obamacare-compliant health insurance plan must cover. In essence, the essential health benefits package is like a health coverage Bill of Rights, giving people a guaranteed minimum expectation for any Affordable Care Act-compliant health insurance plan they purchase.

What Are The Essential Health Benefits?
The 10 benefits are as follows:

  1. Ambulatory Patient Services: This is more commonly called “outpatient care” or “ambulatory care”. This is any medical care a patient receives without admission into a hospital, such as urgent care.
  1. Emergency Services 
  1. Hospitalization: This includes overnight stays as well as surgical care.
  1. Laboratory Services
  1. Mental Health Services: These services include behavioral health treatments such as therapy and counseling, as well as substance abuse disorder services.
  1. Maternity, Pregnancy, Neonatal and Postnatal Care
  1. Coverage for Prescription Drugs
  1. Habilitation and Rehabilitation Services and Devices: These are services and devices to help people obtain, maintain, or recover physical and mental skills. This covers a wide range of services, from physical therapy to speech therapy to services for differently-abled people.
  2. Preventative Care, Wellness Services, and Management for Chronic Diseases
  3. Paediatric services, including dental and eye care: This is an interesting part of the ACA essential benefits, list, as vision and oral care are not part of the adult essential health benefits.

Additional Essential Benefits

There are further benefits that should be mentioned that aren’t always included with the list of 10 “essential” benefits. Every Obamacare plan must additionally guarantee coverage for breastfeeding support and birth control. It’s also worth noting that there are 66 individual screening, assessment, and preventative care services that are fully covered by Affordable Care Act plans.

Am I Eligible For An ACA Plan With The “Essentials”?

The short answer for the majority of people is “yes!” Even if the yearly open enrollment (or perhaps, special enrollment) period has passed by, there are still other options you may pursue, such as short-term insurance or private insurance, which offer similar or better coverage options.

Our experts can help you get an affordable healthcare plan that is perfectly suited for your budget and needs. We are proud to serve the United States and have helped thousands of people obtain peace of mind through affordable health insurance plans. Click the button below or call 888-375-8879 to find the coverage options that are right for you.


This FREE Guide Helps COBRA Make A Lot More Sense.

Let’s face it, COBRA insurance is not necessarily the easiest topic to understand. After all, COBRA is like taxes, financing a car, and so many other parts of “adulting”: there’s no class in high school to teach people about the subject. To be fair, it’s probably a safe bet that COBRA class won’t be taking the place of Algebra anytime soon.

It also doesn’t help that most people who are eligible for COBRA continuation coverage have to learn about the subject at a time when their life is in upheaval and they are trying to get matters back on track. Health insurance is very important, but for many people eligible for COBRA, that concern comes after “getting a new job” and “making sure the bills are paid”.

Most people who have heard of COBRA at least know that it’s a program that helps people to maintain their health insurance coverage after losing a job. Usually, insurance providers or HR departments will provide some basic information about the program after an employee leaves, but those employees often have questions about how COBRA affects them due to their individual situation.

A Guide To Help You

That is why we have created a guide to the top 8 questions people have about COBRA insurance. To write this guide, we surveyed experts and found out the questions they get asked most often about COBRA coverage. We then took the most common questions and explained them in a simple, easy to use format. We’re confident that anyone can go from novice to expert in just minutes after downloading our guide. 

To get your copy, just click the button below. Enjoy and remember, you can get in touch anytime if you have questions about your health insurance options, even if your questions aren’t related to COBRA.


COBRA Continuation Coverage, Explained.

COBRA is often thought of as the expensive health insurance alternative. That’s not always the case.

How COBRA Health Insurance Works

COBRA, which stands for Consolidated OmniBus Reconciliation Act, allows for a continuation in coverage in relation to an employee’s employer-sponsored health insurance plan even after the employee leaves their job. The health plan is guaranteed regardless of whether the employee left the job voluntarily or not, or if the employee was forced to leave by life certain life experiences.

However, COBRA should not be misinterpreted as a health insurance plan. It is more of a law that converts a group insurance plan into an individual one. Thanks to COBRA regulations, most employers with an excess of 20 employees offer coverage, with the exemption of churches and the federal government. 

What you need to know is that getting the COBRA plan is a little different from getting a plan through your employer since while using the former; you have to cover the full cost of the plan.

How do I Know That I Qualify for the COBRA Plan?

To establish whether your group insurance plan is eligible for COBRA coverage, start by checking at the group’s plan Summary Plan Description. This document is available approximately 90 days after you join the plan. To get cobra insurance, you need to have qualifying events that lead to the loss of your health insurance. The main qualifying event for COBRA coverage is leaving or quitting your job provided that the reasons for leaving are not as a result of gross misconduct. The list below outlines the common cobra qualifying events for COBRA coverage.

  • When you leave or quit your job
  • Termination of your job posting for reasons other than gross misconduct
  • A reduction of your working hours
  • When you lose coverage as a result of being entitled to receive Medicare
  • Divorce or separation from your legal spouse

In the event that your spouse or dependent children lose their coverage from your plan as a result of a legal separation or your death, they are still entitled to COBRA coverage. The same happens for children who are on their parents’ insurance but lose their coverage once they turn 26. Such a child is still a cobra qualified beneficiary.

How Much Does COBRA Cost?

The cost of COBRA coverage is such that you have to pay the full amount of your health insurance plan as well as a 2% administrative cost. This means that COBRA coverage may be more expensive and the expense can even go higher should you consider the plan as a short-term option. In most cases, employers tend to subsidize health insurance cost for their employees. If you find that your health insurance is affordable, it may be that your employer is helping you cover part of the cost (although our agents can help you find affordable options otherwise). This means that before subscribing to cobra health insurance, ensure that you know how much the full cost of your health insurance plan is.

Some employees are eligible for getting assistance to meet their COBRA cost. Those who do qualify for health coverage tax credit. Such employees include those whose employment is terminated as a result of global trade. There are also workers who are entitled to benefits under the Trade Adjustment Assistance (TAA), and some employees who are entitled to pension payments under the Pension Benefit Guaranty Corporation (PBGC).

Is Cobra a Good Alternative?

While COBRA is a good option to retain your employer-sponsored health insurance in the event that you lose your job, make sure that you explore all alternatives before choosing the plan. Our experts can help you find more affordable plans that can suit both individual and family needs. We’d be happy to work with you, just fill out the form below and we’ll get in touch.

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