One of the biggest mistakes consumers make is assuming their only choices are COBRA or going uninsured.
In reality, there are often thousands of available plan options across the private market with full medical coverage at half the price because private health plans pricing is not based on income. They are priced based on your health, location and eligibility.
Working with an independent brokerage allows you to compare all available options in your state rather than being limited to a single carrier. This can help you evaluate premiums, deductibles, provider networks, and benefits before making a decision.
As Healthcare.gov explains, individuals who lose employer-sponsored coverage may qualify for a Special Enrollment Period, giving them additional options beyond COBRA.
Questions to Ask Before Choosing Coverage
Before selecting any health insurance option in 2026, ask yourself:
- How long do I need coverage?
- What is my monthly budget?
- Do I have ongoing medical needs?
- Do I need access to specific doctors or specialists?
- Am I primarily looking for affordability or continuity?
The answers to these questions can help narrow your options and identify the best path forward.