Compare the whole picture
Review the COBRA offer alongside available individual coverage. Compare the full premium, deductible, out-of-pocket limit, doctors and prescriptions. A different option is not automatically cheaper or better.
LOSING EMPLOYER COVERAGE · FLORIDA & TEXAS
Your next chapter.
A clearer coverage choice.
Leaving a job or reviewing a COBRA offer? Ask a licensed agent to help compare costs, networks and coverage dates before you decide.
Request an agent comparisonA personal callback, not an instant quote. No obligation to enroll.
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BEFORE YOU CHOOSE
A comparison that starts with the details.
Check your enrollment window
Losing job-based coverage can open a Marketplace Special Enrollment Period. Your dates and circumstances matter; an agent can help you check the applicable requirements.
Keep coverage dates connected
Voluntarily cancelling COBRA or stopping premium payments generally does not itself create a Special Enrollment Period. Confirm replacement coverage and its effective date before ending existing coverage.
KNOW WHAT YOU ARE COMPARING
The type of coverage matters.
ACA major medical
Review Marketplace coverage and ACA-compliant major medical options sold outside the Marketplace. Check the actual plan's Summary of Benefits and Coverage, network and enrollment rules.
Other private products
Short-term, fixed-benefit and limited-medical products can have different protections, exclusions and payment limits. They can leave substantial bills unpaid and should not be treated as equivalent to ACA major medical coverage.
Networks and MEC
First Health and MultiPlan are provider networks, not insurers. Network access does not establish covered benefits or minimum essential coverage (MEC) status. MEC alone does not mean comprehensive major medical benefits.
Ask the agent to confirm the exact insurer, administrator, product type, network and current documents for your location and coverage year. Availability also depends on advisor authorization and your circumstances. A request does not determine eligibility, quote a carrier plan or enroll you.
Talk through your next step.
Request a comparison from Union Health Insurance Agency. Monday–Saturday, 10 a.m.–10 p.m. Eastern.
Request an agent comparison ↗Do not send medical records, Social Security numbers, identity documents or payment information through the request form or ordinary email.