COBRA Health Insurance - low-cost alternatives: Aetna, BCBS…

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“I thought the COBRA health insurance plan I had through Blue Cross was too expensive... Now I have a non-COBRA plan through Blue Cross, I pay less, but can go to the same doctors... Thanks for all your help!”
Q.L. Hartford, CT

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Better Businsess Bureau Logo. Anthem Blue Cross Blue Shield Logo. Offers optional maternity insurance.  An excellent high quality company with providers in all 50 states. Aetna Logo. Great for moderate deductible health insurance plans with low co-pays Connecticare Logo. Offers optional maternity insurance.  A high quality company. Golden Rule UHC Logo.

COBRA Health Insurance Alternatives

COBRA forces most companies with 20 or more employees make COBRA coverage available to former employees. This option allows these former employees to continue their group medical insurance on a temporary basis.

As a general rule you can keep your COBRA health insurance plan for up to 18 months. The good news about COBRA health coverage is that when offered you can at least temporarily continue your health insurance through COBRA. Eligibility for insurance lasts for (usually) an 18 month period even if you have preexisting conditions, the bad news is that C.O.B.R.A. is expensive and for most people will end in a year and a half. So even though you may be eligible for cobra, it may not be the best option for you.

Since most pre-existing conditions get worse, it's safer to apply for a long term Connecticut health insurance plan as early as possible because you can keep a a permanent private health insurance policy until you become eligible for Medicare. Some plans can be coupled with tax deductible a Health Savings Accounts or HSA that can lower your taxes.

A Long-Term Medical Insurance Plan is usually the best option

Instant health insurance quotes are available on our site. You can see whether your COBRA is more or less affordable than one of the individual health plans offered by BCBS, Connecticare Solo or one of the other quality companies.

Short-Term Health Insurance is another option

Instant short-term quotes are available on our site. We often recommend these plans. However there are drawbacks:

COBRA should not be terminated early if you have a significant pre-existing condition

If you have a major preexisting condition, there may be benefits to keeping your COBRA plan. However, if you qualify medically, an individual health insurance plan with a company like Aetna, Anthem Blue Cross or Connecticare will probably be a better option for you.

COBRA questions I've been asked

How does COBRA pay claims?

COBRA benefits are paid the same way as your group health insurance. It is simply a continuation of your group insurance plan. 

Is COBRA health insurrance tax deductible?

COBRA has the same tax status as any group health insurance.

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