Is COBRA Coverage Worth It After Leaving a Job?

If you’ve recently left a job, whether by choice or due to unexpected circumstances, you may be asking yourself how to keep health insurance in place. One of the first options most people hear about is COBRA. But the real question is: is COBRA really worth it, or are there better ways to protect your family’s health?

For Texans, especially those in Houston and the surrounding areas, private PPO health insurance plans are often the smarter, more flexible choice. In this article, we’ll break down what COBRA actually provides, its limitations, and why a customized private plan may be the better fit for your family.

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What Exactly Is COBRA Coverage?

COBRA (the Consolidated Omnibus Budget Reconciliation Act) gives you the legal right to keep the group health insurance plan you had through your employer after leaving your job. On the surface, it sounds convenient. Here’s the catch: you’re responsible for 100% of the premium cost, plus a 2% administrative fee.

For many families, that means monthly premiums double or even triple overnight. It’s no wonder so many people start looking for alternatives that provide similar or better coverage at a more manageable price point.

Key Things to Know About COBRA

You’re paying the full price, and then some.With COBRA, your employer no longer covers part of your premium. Families are often shocked by just how expensive it becomes once that subsidy disappears.

Coverage doesn’t always fit your new needs.Yes, COBRA lets you keep the same plan, but if your financial situation or healthcare needs have changed, that plan might not make sense anymore.

COBRA is temporary. It’s usually limited to 18 months. That’s fine as a short-term bridge, but it doesn’t give the long-term stability most families want.

Why Private PPO Plans Are Often a Better Solution

Private health insurance, especially PPO plans, offers flexibility that COBRA simply cannot. Here’s why more and more families in Texas are moving toward PPOs:

• Custom coverage designed around your needs. Instead of being locked into your old group plan, you can tailor a PPO plan to cover the care your family actually uses.

• Lower premiums in many cases. Medically underwritten private plans can cost less than COBRA while still offering comprehensive benefits.

• Enroll year-round. You don’t have to wait for open enrollment. You can apply as soon as you need coverage.

• Nationwide access. PPO networks often give you the freedom to choose from doctors, hospitals, and specialists across the U.S. This is ideal if you travel or want top-tier providers.

  
  

How to Decide If COBRA Is Right for You

COBRA may work for some situations, but for many families, private PPO coverage makes more sense. Consider PPOs if you want:

• Lower overall costs without sacrificing quality care.

• Plans built around your lifestyle. Whether you’re self-employed, freelancing, or in between jobs, flexible private plans can support your independence.

• Stability for the long term. Unlike COBRA, PPOs don’t expire after 18 months.

  
  

Making the Choice Easier

Picking the right coverage after a job change doesn’t have to feel overwhelming. With the help of a local advisor who knows the Texas market, you can find a plan that truly matches your budget and lifestyle.

At GetErDone Insurance, I help individuals and families all across Greater Houston secure affordable, dependable health coverage. If you’re weighing COBRA against private PPO plans, let’s talk. I’ll walk you through the options and make the process simple.

✅ Ready to see what coverage makes sense for you now?

Visit geterdonehealth.com to book your free consultation.✅ Or connect directly with me, Devin McHazlett at GetErDone Insurance, and take the first step toward the coverage you deserve.

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