Private PPO coverage, reviewed by a licensed advisor
Article

COBRA or Private Coverage After a Layoff?

A short decision guide for the weeks after you lose an employer plan.

  • Pre-existing conditions covered
  • Enroll any day of the year
  • A licensed advisor, no pressure
  • No cost to talk it through
Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds

Plans from nationally recognized carriers

Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.

At A Glance

What a private PPO can do that most plans can't.

Pre-existing conditions covered

An advisor tells you straight which plans will take your health history.

Enroll any day of the year

No six-week window. Coverage can start when you need it to.

Broad nationwide PPO networks

Keep your own doctor in most cases and stay covered across state lines.

Never sold to third parties

Your details stay with us and are never resold.

5 min read

You have 60 days and four options. Here's how to spend the first afternoon of that window.

Check the cheap options first

A spouse's employer plan, then Medicaid, then a subsidized marketplace plan. Losing coverage opens a special enrollment period, so the marketplace is available to you right now.

Then compare COBRA against a private PPO

COBRA is the same plan at full unsubsidized cost — often $600 to $1,800 a month. A private PPO is usually far cheaper for a healthy applicant.

The case for COBRA anyway

If you're mid-treatment, or you've already met most of this year's deductible, COBRA's continuity is frequently worth the premium. Changing plans resets the deductible to zero.

General information only. Not insurance, tax or legal advice about your situation, and not a quote.

How It Works

Three steps, and you're never locked in.

  1. 01

    Tell us the basics

    State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.

  2. 02

    A licensed advisor reaches out

    Real options, real costs and the honest trade-offs, in plain English.

  3. 03

    You decide

    Enroll if it fits, or don't. No cost to talk and no obligation at any point.

Start My Free Review
Next Step

See what you actually qualify for.

Four questions, a licensed advisor, a straight answer. No cost, no obligation, no pressure.

Secure & private. By submitting you agree to be contacted by a licensed advisor.

Year-round enrollment

Private PPO plans are not tied to open enrollment.

Never sold

Your details are not passed to a lead list.

256-bit SSL encrypted

Your details are protected from the first click.

No cost, no obligation

Talking it through is free. You decide.

Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds