Losing Coverage Can Feel Overwhelming — But You Have Options
When a job ends, one of the first things people worry about is losing their health insurance. I’ve worked with many Arizona clients who suddenly find themselves without coverage and aren’t sure what to do next. The good news is: you don’t have to go without health insurance, and you do have more than one option.

COBRA in Arizona: What You’re Really Paying For
COBRA allows you to keep your exact employer-sponsored health plan for up to 18 months. It sounds convenient — and for some people, it’s a good short-term solution. But here’s the catch: you’ll be responsible for the full premium (including the part your employer used to pay), plus a 2% administration fee.

In Arizona, that can mean paying hundreds of dollars more per month than you’re used to. COBRA might be worth it if you’re in the middle of treatment and want to avoid any disruption, but for most people, it’s not the most cost-effective option.

ACA Insurance in Arizona: More Affordable Than You Think
The other major option is enrolling in an ACA Marketplace plan. If you’ve just lost employer coverage, you qualify for a 60-day Special Enrollment Period — and depending on your income, you may qualify for premium subsidies that can significantly reduce your monthly cost.

I help Arizona residents find ACA plans that include doctor visits, prescriptions, mental health services, and more. The plans are guaranteed issue, meaning they cover pre-existing conditions — no questions asked.

Which One Should You Choose — COBRA or ACA?
That’s where I come in. I compare COBRA and ACA side by side for each client, so you can clearly see the monthly cost, deductible, coverage, and network differences. Sometimes COBRA makes sense. Other times, an ACA plan offers similar coverage for a much lower price.

I also check if your doctors are in-network and your prescriptions are covered. No guessing. No surprises.

Let’s Make Sure You Stay Covered
Health insurance after job loss in Arizona doesn’t have to be confusing. I’ll walk you through your options, help you enroll in a plan that makes sense for your situation, and make sure you don’t miss any deadlines.

Losing a job is stressful enough. Let me take the guesswork out of what comes next.

Ready to Explore Your Options?
Schedule a free consultation today. I’ll help you compare COBRA vs. ACA insurance in Arizona and find a plan that protects your health — and your wallet.