COBRA keeps the plan you had. It also usually means paying the whole premium yourself. You have a window to decide. Use it to compare.
The situation
The COBRA packet is in the mail.
You've left a job, or you're about to, and the continuation paperwork is on its way. It lets you keep the plan you had, usually at the full premium your employer used to share, plus an administrative fee.
That can be the right call. It is also the one option nobody compares, because the packet arrives with a deadline and no alternatives attached. Bring us the packet and we'll put the alternatives next to it.
What we look at with you
What to compare before you sign.
What COBRA would cost you each month against the plans available to you now.
How much time you have to decide, and when the first payment is due.
Whether the doctors you have today are in the network of the alternatives.
Avoiding a gap between the old coverage and the new.
Coverage for a spouse or children who were on the employer plan.
