Losing employer coverage? Compare before you elect COBRA.
COBRA lets you keep your old plan, usually at the full premium plus a fee. A private PPO plan may cost less for people in good health. See both side by side with one licensed advisor.
Who needs coverage?
4 quick questions. No obligation, nothing to sign.
Secure, encrypted form. Your information is never sold or shared.
What best describes you right now?
This helps your advisor start in the right place.
- Compare before your election window closes
- Nationwide PPO access, keep your doctor
- $0 deductible options available
- One licensed advisor, no call centers
Private plans are medically underwritten. Eligibility, pricing and benefits depend on the applicant and the state, and your advisor confirms what you qualify for before anything is signed.
- Licensed in 31 statesLicensed advisors in every state we serve
- Private PPO plansNationwide PPO access, keep your doctor
- Secure, encrypted formSent over an encrypted connection
- Free quote, no obligationYour information is never sold
COBRA can cost more than you expect
You pay the full premium
While you worked, your employer likely paid part of your premium. With COBRA you usually pay all of it yourself, plus up to a 2% administrative fee.
The clock is running
You typically have 60 days to elect COBRA. That is enough time to compare your options, but not enough to put it off.
It is temporary
COBRA usually lasts up to 18 months after a job loss, so you will need a longer-term plan eventually.
Priced for the whole group
COBRA continues your former employer's group plan, priced for everyone on it rather than for people in good health.
A private PPO plan may be the better fit
- Priced for people in good healthPrivate plans are medically underwritten, so they may cost less than COBRA if you rarely use your insurance.
- Nationwide PPO access, keep your doctorYour advisor checks your doctors against the network before you choose.
- Side by side with COBRAHave your COBRA notice handy. Your advisor compares its monthly cost with your private options so you choose with real numbers.
- Timed so there is no gapYour advisor helps you line up a start date with the day your employer coverage ends.
How COBRA and a private PPO plan compare
Both can make sense. Here is the plain-language difference, so you know what to ask.
| Topic | COBRA | Private PPO plan |
|---|---|---|
| What it is | Your former employer's group plan, continued for a limited time | An individual plan in your own name |
| Monthly cost | Usually the full premium plus up to a 2% fee | Priced for the applicant, and may cost less for people in good health |
| How long | Usually up to 18 months after a job loss | Renews according to the plan's terms |
| Approval | No health questions to continue your plan | Medically underwritten, so not every applicant qualifies |
| Doctors | Same network as your old plan | Nationwide PPO access, keep your doctor |
General information, not legal or tax advice. Your COBRA election notice has your exact costs and deadlines. Sometimes COBRA is the better choice, and your advisor will tell you if it is.
Three steps. One advisor. No call center.
From first question to coverage, one licensed advisor who knows your state handles it with you.
- 1
Answer 4 quick questions
About two minutes. No documents, no card, and nothing changes with your current coverage just by asking.
- 2
Your advisor reaches out
One licensed advisor for your state reviews what you need and shows you the private plan options you qualify for.
- 3
You decide
Choose with real numbers in front of you. If you enroll, your advisor handles the paperwork and stays your contact.
Real advisors. One point of contact. Zero call centers.
When you reach out, your request goes to one licensed Limitless Health advisor for your state. That advisor calls you, walks you through your options, handles the paperwork if you enroll, and stays your contact afterward.
Licensed in 31 states
Licensed health insurance advisors in every state we serve.
One dedicated advisor
The same person from your first call through renewal. No call centers.
Licensing details on request
Ask on your call or email us for license information for your state.
Never sold or shared
Your request stays with Limitless Health. We don't sell leads.
Straight answers
Still wondering about something? Your advisor will answer it on your call, or email hello@limitlesshealth.care.
What is COBRA?
How long do I have to decide on COBRA?
Can a private plan cost less than COBRA?
If I compare first, can I still elect COBRA?
Is a private plan guaranteed to approve me?
What should I have ready for the call?
Is this really free?
Will I get flooded with calls?
Licensed in 31 states
Limitless Health advisors are licensed in the states below. Enter your ZIP in the quiz and we'll confirm right away.
- Alabama
- Arkansas
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- North Carolina
- Ohio
- Oklahoma
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- West Virginia
- Wisconsin
- Wyoming
See your private plan options in about two minutes.
Free quote, no obligation, and one licensed advisor who stays with you after you enroll. Your information is never sold.
Get my free quoteLicensed in 31 statesSecure, encrypted formOne advisor, no call centers