Affordable group health insurance for the self-employed, individuals, and small business owners.

If you are coming off Cobra, here is some simple advice.

1. Start looking for replacement insurance a couple of months before coverage ends.
2. Remember that it will cost you more to purchase insurance on your own that you are paying your company.
   • This is because a company can purchase insurance at lower group rates
   • As an individual you pay much higher rates.
3. While costs are important, making sure that your providers are in the carriers network is even more important.
4. Check to see if your state offers a low cost plan.

If you lose your job, should you continue your medical coverage through your employer’s plan or buy coverage on your own.

1. It may always be cheaper to continue with your employers coverage by electing COBRA
2. The premiums you pay which include the costs the employer pays plus 2 % usually is always cheaper that if you were to purchase insurance on your own.
   • This is because group rates are almost always cheaper than individual rates.