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Companies offer cost-saving COBRA alternatives

COBRA is a federal law that allows you to temporarily continue your employer-sponsored health plan, usually in the event of some form of job layoff.

Under COBRA, you are responsible for the premium that was previously subsidized by your employer in addition to a 2 percent administrative fee.

EHealthInsurance, an online seller of health insurance, offers these options:

• Mix and match COBRA coverage with individual plans. If you have a pre-existing condition, choose COBRA coverage for yourself but look for a less expensive individual plan for your spouse or child.

• Look for individual or family plans. If you and your family are relatively healthy or are seeking health-insurance coverage beyond the COBRA term, which usually is 18 months, you might find a plan costing less.

• Save on kids. Children are usually covered under your plan until age 19 and, if they are students, in some cases until 25.

COBRA is a federal law that allows you to temporarily continue your employer-sponsored health plan, usually in the event of some form of job layoff.

Get the full article here.



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