COBRA vs. individual health insurance.

COBRA generally lets an eligible person continue the employer plan for a limited period, usually at a higher share of the cost. Individual coverage is purchased separately and may use a different provider network and set of benefits.

When COBRA can be valuable

Continuity may be important if you are in treatment, have met much of your deductible, rely on particular specialists, or expect another group plan to begin soon. Confirm the actual premium, duration, and election deadlines in your notice.

What to review with individual coverage

Check the provider network, prescription formulary, deductible, cost sharing, out-of-pocket maximum, effective date, and any eligibility or enrollment rules. Do not assume a doctor or medication is covered because it was covered under your employer plan.

Compare the same categories side by side

• Monthly premium for the same household members
• Deductible and out-of-pocket maximum
• Doctor, hospital, and pharmacy access
• Prescription coverage
• Coverage start date and how long you need it

Do not miss the calendar

COBRA and individual enrollment paths may have different deadlines and effective-date rules. Keep notices and confirmation records, and avoid dropping one option until the next step is clear.