COBRA costs 3–5× your old payroll deduction. It doesn't have to.
Your agent compares total cost - premium + deductible + OOP max - across BlueCross, UHC, Aetna, Cigna & more. Same doctors, same networks, $300–600/mo less. Job loss triggers a 60-day Special Enrollment window. $0 fee.
The people on the other end of the line.
COBRA replacement plans.
COBRA exists so coverage doesn't break the day employment ends. It works - but it costs 102% of the full employer-side premium, which is brutal. For most healthy adults under 65, an individual plan is dramatically cheaper for the same level of care.
Don't elect COBRA reflexively. The same 60-day window lets you start an individual plan with no coverage gap.
Most clients save 30–60% switching. Same carrier networks are usually available off-COBRA.
Loss-of-COBRA is also a Special Enrollment trigger. We'll line up coverage to start the day yours stops.
Family premium savings stack - switching a household of 4 off COBRA typically saves $400–900/mo.
Three steps. About twelve minutes.
A licensed agent picks up in under a minute. No phone tree, no hold music.
ZIP, ages, your COBRA rate, doctors, and prescriptions. We check networks and formularies - the step Healthcare.gov skips.
Total cost - premium + deductible + OOP max - compared side-by-side vs. your COBRA rate. Pick and enroll, same call.
Twelve minutes. Here's the script.
We tell you exactly what your agent will ask, in what order - so you know what to have in front of you before you pick up.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
PPO, HMO, EPO - in plain English.
Any in-network provider, no referrals. Out-of-network covered at lower rates.
Pick a primary care doctor. Specialists need referrals. Care stays in-network.
PPO-style flexibility within a defined network. No referrals, no out-of-network.
What ditching COBRA actually saved these people.
"COBRA was $720/mo. Agent compared total cost - premium + deductible + OOP max - and found a BCBS PPO for $312/mo with the same network. That's $4,896 saved this year."
"Didn't know I qualified for a subsidy after my layoff. The agent checked in real time - I was eligible for $480/mo in tax credits. COBRA would've cost me $10,000 more."
"Was already 3 months into COBRA at $890/mo. Found out I could've switched immediately. Moved to a UHC plan and saved $550/mo - $6,600/year - with better Rx coverage."
"I started this in 2014 after getting burned by a quote-form site when I was uninsured between jobs. We're the brokerage I wished existed then - one call, one licensed agent, real plans, no spam."
Common questions for cobra replacement plans.
COBRA charges 102% of the FULL premium (employee + employer share). That's typically 3–5× what was deducted from your paycheck. Most people we help switch to plans costing $180–$420/mo after subsidies - saving $300–600/mo. Your agent compares total cost (premium + deductible + OOP max), not just the sticker price.
Very likely. Roughly 4 out of 5 marketplace enrollees qualify. Job loss often reduces household income mid-year, which can increase your subsidy. Your agent checks in real time based on projected annual income - most people are surprised.
Voluntarily dropping COBRA isn't normally a Special Enrollment trigger - you'd typically wait for Open Enrollment (Nov–Jan). BUT if your COBRA naturally expires (18 months), that IS a trigger. We can also check short-term bridge plans in some states.
Often, yes. Many in-network providers contract with multiple carriers. Your agent checks your doctor list and prescriptions against every plan's network before you enroll. If your doctor isn't covered, we tell you upfront.
Both. Our agents shop marketplace plans (where you get subsidies) and off-exchange private plans. Whichever saves you the most - that's what we recommend.
No. We're one brokerage, not a lead-gen site. Your info stays with us. No follow-up spam, no drip campaigns, no selling your number. BBB A+ rated.
100% free to you. Carriers pay us a flat commission - the same amount regardless of which plan you pick. Zero incentive to push one carrier over another.
12 minutes. $300–600/mo saved.
Most COBRA holders qualify for subsidies they didn't know about. One call, one agent, $0 fee.
(866) 605-0702