Side-by-side · Honest verdict
Losing Employer Coverage
Leaving a job — or losing benefits — doesn't mean going without coverage or paying COBRA's full freight. Private PPO plans enroll year-round, so a coverage gap is a choice, not a requirement.
Step 1 of 40%
How many people in your household need health insurance coverage?
Including yourself.
Doing nothing / waiting
- Coverage gaps expose you to full billed rates — an ER visit can run five figures
- Marketplace special enrollment windows are short and easy to miss
- COBRA election feels like the default — at 102% of the group premium
- Open enrollment may be months away
Private PPO
- Enroll any month — coverage can start within days of your last day
- Often far less than COBRA for healthy applicants
- Coverage you own — it doesn't end with the next job change
- One licensed California advisor handles the details, free
Bottom line: If your employer coverage is ending, talk to an advisor before the last day — lining coverage up early is the difference between a seamless switch and an expensive gap.