Don't automatically renew COBRA.
Before you pay another COBRA premium, compare your options. Many people find private PPO coverage for far less — with the same or better benefits.
- PPO plans available nationwide
- Often less than COBRA premiums
- Free, no-pressure plan review
- Same or better coverage for those who qualify
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Plans from nationally recognized carriers
COBRA
$1,040/ month
Private PPO
$460–$550/ month*
Potentially over
$6,000
saved per year
*Examples shown for illustration only. Individual rates vary by age, location, and circumstances.
COBRA Ending Soon?
Private PPO vs. COBRA
COBRA lets you keep your former employer's plan, but you pay the full premium — often over $1,000 a month — and it only lasts up to 18 months. A private PPO plan can offer comparable coverage for less, and it's coverage you own.
The Difference
Compare before you decide
Staying on COBRA
- Premiums often $1,000+ per month
- You pay the full employer cost
- Coverage ends in 18 months
- No one shopping for a better deal
Private PPO Alternative
- Plans starting around $460/mo*
- Keep a broad nationwide PPO network
- Coverage you own — not your old employer
- A licensed advisor compares it free
How Does Your Plan Compare?
Private PPO vs. a typical Marketplace plan
Examples shown for illustration only. Plans, pricing, and eligibility vary by state and individual circumstances.
Reviews
Trusted by people like you
Real stories from individuals and families we've helped find coverage.
“The process was simple, everything was clearly explained, and I felt confident choosing the right coverage for my needs.”
“I appreciated the personalized guidance and how easy they made it to understand all my options.”
“They broke everything down in a way that actually made sense and helped me find a plan that fit my budget.”
“The support was great from start to finish, and I never felt pressured at any point.”
“Clear communication, flexible options, and a smooth experience made this an easy decision for me.”
“My coverage finally follows me between assignments. No more gaps every time I switch contracts.”
“I was about to overpay for COBRA. They found me a PPO plan for a lot less with the same doctors.”
“Didn't think I had options without an employer. They proved me wrong and made it painless.”
“Finally a plan that fits commission income. The advisor actually listened to my situation.”
“Straightforward answers, no jargon, no pressure. I knew exactly what I was signing up for.”
“Year-round enrollment was a lifesaver — I didn't have to wait months to get covered.”
“Lost my employer plan and panicked. They had me covered within days, nationwide network and all.”
“The process was simple, everything was clearly explained, and I felt confident choosing the right coverage for my needs.”
“I appreciated the personalized guidance and how easy they made it to understand all my options.”
“They broke everything down in a way that actually made sense and helped me find a plan that fit my budget.”
“The support was great from start to finish, and I never felt pressured at any point.”
“Clear communication, flexible options, and a smooth experience made this an easy decision for me.”
“My coverage finally follows me between assignments. No more gaps every time I switch contracts.”
“I was about to overpay for COBRA. They found me a PPO plan for a lot less with the same doctors.”
“Didn't think I had options without an employer. They proved me wrong and made it painless.”
“Finally a plan that fits commission income. The advisor actually listened to my situation.”
“Straightforward answers, no jargon, no pressure. I knew exactly what I was signing up for.”
“Year-round enrollment was a lifesaver — I didn't have to wait months to get covered.”
“Lost my employer plan and panicked. They had me covered within days, nationwide network and all.”
FAQs
Frequently asked questions
Not always, but it frequently is — because you pay the full premium. Comparing the two is the only way to know your savings.
Yes. You can leave COBRA when you find other coverage; an advisor can help you switch smoothly.
You generally have 60 days to elect COBRA — a good window to compare it against a private PPO first.
Often yes, since PPO networks are broad. Your advisor can confirm your doctors are in-network before you switch.
Find out what you qualify for today
A free comparison from a licensed advisor — no pressure, no obligation.
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