COBRA & Under-65 Health Insurance Guidance
Reviewed by Prodest Insurance Group, a licensed insurance agency (NPN 19515569) · Updated 28 October 2026 against current federal guidance.
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Quitting Your Job? How COBRA and Your Other Health Options Work
Why quitting still qualifies you for COBRA, when your coverage actually ends, and how to avoid a gap before a new job's plan starts.
The COBRA Administration Fee: What the 2% Covers and When You Can Be Charged More
Why COBRA costs 102 percent of the premium, when it can reach 150 percent, and the state rules that range from no fee to 115 percent.
COBRA vs. Obamacare for 2027: Should You Switch During Open Enrollment?
Open Enrollment runs November 1, 2026 to January 15, 2027. How COBRA compares with a Marketplace plan, the dates that matter, and how to decide before December 15.
Prefer to talk? Call (888) 918-4516 · Monday to Friday, 10:00 a.m. to 5:30 p.m. Eastern
This website provides educational information about health insurance and is a solicitation for insurance. It is a non-government website operated by Prodest Insurance Group, a health insurance agency that presents health plans, which may include Affordable Care Act (ACA) plans, private health insurance, short-term medical insurance, or supplemental 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. 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 Section 36B and applicable federal regulations.
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