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

October 2, 2018

FACTORS	COBRA	Obamacare	Short Term Insurance
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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