Most people default to COBRA and pay $1,500+/month without realizing they could qualify for better coverage at a fraction of the cost. Request a free call with a licensed advisor — they'll run your real numbers and show you what you actually qualify for.
100% free. No obligation. Licensed advisors in all 50 states.
Request a callback
Answer a few quick questions so a licensed advisor can review your options and call you with a personalized COBRA vs. ACA comparison.
Step 1 of 5
This helps us match you with the right type of plan.
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This tells us how much time you have to decide.
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Available plans and subsidies vary by state.
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This determines how much you could save with ACA subsidies. An estimate is fine.
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A licensed advisor will call you within 1 business day to walk through your COBRA vs. ACA options side by side — at no cost to you.
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A licensed advisor is reviewing your situation right now.
What most people get wrong
When you lose employer coverage, COBRA is the first thing you hear about — because your employer is legally required to tell you about it. So most people assume it's the best option. Or the only option.
It's neither.
COBRA lets you keep your exact same plan. Same doctors, same network, same prescriptions. That part sounds great. Here's what they don't emphasize in the letter: you're now paying the full premium your employer used to cover for you — plus a 2% administrative fee on top.
For most families, that means COBRA costs somewhere between
$1,500 – $2,000+ per month.
That's not a typo. That's the real, unsubsidized cost of your plan.
Meanwhile, ACA marketplace plans with Premium Tax Credits can bring your monthly cost down dramatically — sometimes to $200–$400/month, sometimes to $0 — depending on your projected income for the rest of the year.
The key word is projected. If you earned $120K but lost your job in May, your income for the year might be $50K. That lower number is what the subsidy is based on. The math changes everything — but it's specific to your situation.
That's why guessing doesn't work. And that's why we have licensed advisors run your specific numbers, side by side, on a free call.
How it works
Answer 5 quick questions about what happened, your household, and your income.
A licensed advisor calls you within 1 business day to run your specific COBRA vs. ACA comparison — not a generic estimate.
You'll see your actual costs side by side. If you want to move forward, your advisor handles the paperwork. If not, no pressure.
Why this is free
Fair question. There isn't one. Here's how it actually works:
Insurance carriers pay licensed advisors a commission when you enroll through them. That commission comes from the carrier — not from you. Your premium is exactly the same whether you use an advisor or go directly to the marketplace yourself.
So you're getting expert guidance, personalized numbers, and someone to handle the paperwork — and it costs you nothing extra. That's the business model. No hidden fees. No upsells.
One licensed advisor. One call. One clear recommendation. We don't sell your information to a dozen companies. We don't spam you. Your advisor calls you once at the time you choose. If you're not interested after that conversation, that's the end of it.
After you lose employer coverage, two clocks start ticking — and neither one pauses.
COBRA Election
60
days from your election notice
ACA Special Enrollment
60
days from loss of coverage
Miss both deadlines and you're uninsured until the next Open Enrollment period — which could be months away. No exceptions, no extensions.
It takes one minute to request a callback. It takes 15 minutes for an advisor to show you exactly what you qualify for. Don't let the deadline make the decision for you.
50
States covered
$0
Cost to you — ever
15 min
Average advisor call
One call could save you thousands this year. Request a free advisor callback — no obligation, no pressure.
Free. No obligation. One licensed advisor. One call.