Healthcare Savings Center
Lost Job-Based Coverage?

Lost your employer plan? You have options.

Leaving a job doesn't mean going without coverage. Compare private PPO plans you can enroll in right away — no waiting for open enrollment.

  • Get covered without waiting
  • Nationwide PPO networks
  • Coverage that isn't tied to an employer
  • Free, no-pressure plan review
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Let's find your coverage

Start with your state.

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Takes less than 30 seconds

Plans from nationally recognized carriers

Aetna logo
Humana logo
Blue Cross Blue Shield logo
UnitedHealthcare logo
Cigna
Oscar
Aetna logo
Humana logo
Blue Cross Blue Shield logo
UnitedHealthcare logo
Cigna
Oscar

Lost Job-Based Coverage?

Private PPO vs. Lost Employer Coverage

Losing employer coverage is a qualifying life event, but your choices aren't limited to COBRA or the Marketplace. A private PPO plan can keep you covered quickly, with a network you choose.

Private PPO vs. Lost Employer Coverage

The Difference

Compare before you decide

Going Without / COBRA

  • Coverage gaps between jobs
  • Expensive COBRA premiums
  • Confusing options under pressure
  • Risk of being uninsured

Private PPO Alternative

  • Enroll right away
  • Coverage you own and keep
  • Broad PPO access nationwide
  • Advisor-guided, at no cost

How Does Your Plan Compare?

Private PPO vs. Lost Employer Coverage

Typical Marketplace PlanHealthcare Savings Center
$750/month
VS
$300/month
Deductible
$15,000
$0
Telemedicine
$50
$0
Doctor / specialist visit
$50
$0 copay
Out-of-pocket max
$25,000
$3,000
Co-insurance
40%
100%
Network
HMO — referral required
PPO — see any doctor
Coverage area
Limited to certain states/markets
Nationwide

Examples shown for illustration only. Plans, pricing, and eligibility vary by state and individual circumstances.

FAQs

Frequently asked questions

You can typically apply right away. Private plans enroll year-round, and losing job coverage may also open a special window.

Yes — losing employer coverage usually qualifies you for a special enrollment period, in addition to year-round private options.

Yes. A private plan can cover you and your family without relying on your former employer.

It depends on cost and your doctors. A quick comparison usually reveals which keeps your coverage for less.

Find out what you qualify for today

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