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The quickly growing team at HealthCare.com is dedicated to helping you find the right health coverage for your needs. To date, we've helped over 5 million people find health insurance. By using data, technology, and customer service to answer your questions, we help you make the right decisions for your coverage. Our team of insurance-industry veterans and technology experts work to improve our products and shopping experience so you can feel more confident about your insurance purchase.

The quickly growing team at HealthCare.com is dedicated to helping you find the right health coverage for your needs. To date, we've helped over 5 million people find health insurance. By using data, technology, and customer service to answer your questions, we help you make the right decisions for your coverage. Our team of insurance-industry veterans and technology experts work to improve our products and shopping experience so you can feel more confident about your insurance purchase.

This is a solicitation for insurance. Healthcare.com is a non-government website of HealthCare.com Insurance Services, LLC, a health insurance agency that presents health plans, which may include Affordable Care Act (ACA) plans, short-term medical insurance or indemnity insurance based on the consumer’s selection. Qualified ACA plans must meet or exceed the essential benefit requirements of the Affordable Care Act; non-ACA plans are not required to provide all of the essential benefit requirements contained in the Affordable Care Act. Pre-existing condition provisions, benefit availability, limitations and exclusions vary by plan type and state. You should review all plan details and product brochures before purchase. To qualify for ACA health insurance coverage outside of the open enrollment period, you must meet special enrollment requirements.

*Eligibility for Affordable Care Act (ACA) Advance Premium Tax Credit (APTC) and cost-sharing reductions is based on annual federal income thresholds, household size, and plan availability within the applicable service area. If enhanced tax subsidies enacted under the American Rescue Plan Act (ARPA) and Inflation Reduction Act (IRA) are unavailable, premium tax credit amounts may be reduced. For plan year 2026, eligible enrollees may have access to ACA coverage at or below $50 after the APTC is applied, subject to federal eligibility determinations. Premium rates, plan availability, and subsidy amounts vary by state and marketplace. Final eligibility and premium obligations are determined by the Health Insurance Marketplace under Internal Revenue Code §36B and applicable federal regulations. “Plan Year 2026 Marketplace Plans and Prices Fact Sheet.” CMS.gov, October 28, 2025. https://www.cms.gov/newsroom/fact-sheets/plan-year-2026-marketplace-plans-prices-fact-sheet 

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Save Money Through COBRA Alternatives

COBRA can serve as a lifeline to those facing an unexpected job loss, but it is also really expensive. Due to its cost, COBRA may be a difficult coverage option for people who can’t afford to pay its higher premiums each month. If you have a limited budget and are willing to do a little research, alternatives to COBRA coverage offer a more budget-friendly solution. At Healthcare.com, we can help you find which COBRA alternatives are best for you and your family.

COBRA can serve as a lifeline to those facing an unexpected job loss, but it can also be expensive. Due to its cost, COBRA may be a difficult coverage option for people who can’t afford to pay its higher premiums each month. If you have a limited budget and are willing to do a little research, alternatives to COBRA coverage may offer a more budget-friendly solution. At Healthcare.com, we can help you find which COBRA alternatives may be a comfortable fit for you and your family.

There are Three Main Alternatives to COBRA Coverage -

1. Buy an ACA Health Insurance Marketplace Plan: If you choose to shop for a healthcare plan on the ACA (Obamacare) Marketplace, check to see if you are eligible for a subsidy before evaluating your options. Loss of a job is a qualifying life event that makes you eligible to enroll at any time of the year, up to 60 days after job loss. 
   
   
2. Apply For Short-Term Medical Insurance Coverage: Like its name implies, short-term medical plans function as temporary health insurance for people who are in-between major medical insurance plans. Short-term medical plans don’t provide as much coverage as a Marketplace healthcare plan. On the other hand, they are more economical and can serve as a temporary solution until you can get more comprehensive coverage.
   

Who Qualifies for COBRA Coverage?

1. Buy an ACA Health Insurance Marketplace Plan: If you choose to shop for a healthcare plan on the ACA (Obamacare) Marketplace, check to see if you are eligible for a subsidy before evaluating your options. Loss of a job is a qualifying life event that makes you eligible to enroll at any time of the year, up to 60 days after job loss.
   
   
2. Apply For Short-Term Medical Insurance Coverage: Like its name implies, short-term medical plans function as temporary health insurance for people who are in-between major medical insurance plans. Short-term medical plans don’t provide as much coverage as a Marketplace healthcare plan. On the other hand, they are more economical and can serve as a temporary solution until you can get more comprehensive coverage.