If you've left a job, gone independent, or are retiring before 65, you've probably been quoted a premium that made your stomach drop. There's often a better way to stay covered.
Whether that's a private plan, an ACA plan, or simply staying put — I'll help you find the coverage that actually fits.
Prefer to talk? Call a licensed advisor: (786) 244-3978
Freelancer, contractor, or business owner with no group plan.
My income is too high for marketplace tax credits.
I need coverage to bridge the gap until Medicare.
I'm paying for COBRA and want to compare options.
I want to cover my team without overpaying for a group plan.
Enter your monthly COBRA premium to see a rough idea of what a private plan might run for a healthy applicant. It's not a quote — just a starting point for the conversation.
Each option fits a different person. Here's a straight look at the trade-offs — including where COBRA or the ACA is genuinely the better choice. Whichever one fits you best, I can help you get set up.
| COBRA | Private plan | ACA marketplace | |
|---|---|---|---|
| Typical cost | Highest — you pay the full premium plus up to a 2% fee | Often lowest for a healthy applicant | High without a subsidy; low if you qualify for one |
| When you can enroll | Only after you lose job-based coverage | Any time of year — no special event needed | Open enrollment, or with a qualifying life event |
| Pre-existing conditions | Covered | May be excluded or lead to a decline | Always covered — can't be turned down |
| Coverage depth | Comprehensive (your old work plan) | Leaner — often excludes maternity, mental health care, and drug & alcohol rehab | Comprehensive (essential health benefits) |
| How long it lasts | Up to 18 months | Month-to-month | Renewable year to year |
| Best for | Someone with health needs who wants to keep their exact plan short-term | A healthy person who earns too much for a subsidy and needs coverage now | Someone who qualifies for a subsidy or has ongoing health needs |
General comparison only, not a recommendation for any individual. Private and short-term plans are medically underwritten and not ACA-comprehensive; availability and duration vary by state. The right choice depends on your health, income, and how long you need coverage.
I'm an independent, licensed advisor. I compare the options actually available to you, including the ACA plans in your area, and point you to the one that fits best. No agenda, no one-size-fits-all pitch — just the plan that's right for your situation.
I'm an independent, licensed health insurance broker. When you reach out, you talk to me directly — a real person, not a call center. I'll give you a straight comparison, tell you honestly when another option is your better bet, and never push you toward something that doesn't fit.
And if I'm not the right fit for your situation, I'll point you to someone who is — you won't leave empty-handed.
You've probably filled out a form like this before and watched your phone blow up with calls from agents you've never heard of. That happens because those sites sell your information to whoever's buying. I don't. When you reach out, it comes straight to me — one licensed advisor — and that's where it stays.
Your details come directly to me. Never sold, never shared with anyone.
I reach out to set up one quick, no-pressure call — on your schedule.
You get a straight comparison. That's it — no army of callers, no spam.
No pressure, no obligation. A licensed advisor (me, not a chatbot) will reach out with a clear, personalized comparison.