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By Ryan Kennelly

October 2, 2018

Topics:

  • COBRA
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How to choose between COBRA, Obamacare, and Short-Term Insurance?

October 2, 2018

  • COBRA
FACTORS
COBRA
I prefer a broad network of doctors, hospitals, etc.
I prefer to maintain the same insurance I had from my job
I, or a member of my family, has a pre-existing condition (cancer, diabetes, autism)
I have missed the COBRA election window
I have missed the Obamacare window
I will only need health insurance for a brief period of time. Examples:

  • I am transitioning from one job to another;
  • I have graduated and will start my new job within the year
I would like to save money
I cannot afford a high monthly premium and I do not qualify for an Obamacare subsidy
I need flexibility – I may need health insurance for only a month or 11
I am pregnant or plan on becoming pregnant

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