Losing job-based coverage opens a 60-day Special Enrollment Period on the marketplace, where your income may qualify you for a premium tax credit COBRA can never offer. How much you save depends on your income, household size and ZIP — some households save a great deal, others little.
Health Enrollment Center is operated by Sprinter Insurance Agency LLC. We are not HealthCare.gov or any government marketplace.
COBRA lets you keep your former employer's exact plan — but now you pay the whole premium plus a 2% admin fee, with no employer contribution. For most households that's $650–$1,200+ a month. The letter makes it sound like your only option. It isn't.
Losing employer coverage is a qualifying life event. It opens a 60-day Special Enrollment Period on the ACA marketplace, where your income may qualify you for a premium tax credit COBRA can't match. Many people paying $900 for COBRA move to a comparable Silver plan for $300–$450 — often keeping the same primary-care doctor in-network.
The timing move that saves money: you have 60 days from the date your coverage ends to enroll in a marketplace plan. So before you pay that first COBRA invoice, it's worth a 10-minute call to compare. If an ACA plan beats COBRA we help you enroll; if COBRA is genuinely better for your situation, we'll tell you that too.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Losing job-based coverage opens a 60-day Special Enrollment Period on the marketplace, counted from the date your coverage ends. It's best to compare before you pay your first COBRA premium so you don't overpay for a month.
Not necessarily. Many marketplace plans include the same major carrier networks, so your doctor may still be in-network. We check your specific doctors and prescriptions against each plan before you switch.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.