Losing Coverage or Paying Too Much for Health Coverage?
Turning 26, losing job-based coverage, priced out of COBRA, or self-employed? Review traditional plans, health sharing, and other cost-conscious alternatives based on your budget, doctors, prescriptions, and timing.
Many people in these situations are not just looking for coverage. They are looking for a smarter way to compare what may actually fit without overpaying or defaulting into the first option they find.
40–60% Lower Monthly Cost Potential
Helping Clients Since 2022
Serving All 50 States and U.S. Territories
Traditional Plans and Alternatives Reviewed
For many people, the best next step is not just finding coverage. It is finding a better-fit path.
Real-World Savings Examples
The plans reviewed often save 40–60% compared to COBRA and, in some cases, Marketplace plans when subsidies are limited. That can translate to thousands of dollars per year.
Family of 4
$1,200/mo saved
Compared with their Marketplace plan. Reviewed traditional coverage alternatives that fit their budget and doctors.
Individual
$600/mo saved
Compared with COBRA after losing job-based coverage. Found a lower-cost path that preserved doctor access.
Savings vary by situation, location, eligibility, doctors, prescriptions, and the type of coverage being reviewed. These are real client examples, not guarantees.
Who This Helps
Most people land here because coverage is ending, costs feel too high, or the standard options they found on their own do not feel like a good fit.
Turning 26
Aging off a parent's plan is one of the most common coverage transitions. Most people have more than one option — and the right move depends on your budget, doctors, and timing.
Review Turning 26 Coverage OptionsLosing Job-Based Coverage
When employer coverage ends, COBRA is often the default. But it is rarely the only option, and for many people it is not the most cost-effective one either.
Review Job Coverage OptionsCOBRA Too Expensive
COBRA preserves your current plan, but the monthly cost can feel like a second rent payment. It is worth comparing what else may be available at a fraction of the price.
Review COBRA AlternativesSelf-Employed
Without an employer plan, the responsibility falls entirely on you. Balancing cost, network access, and prescriptions takes more work — and a more careful comparison.
Review Self-Employed OptionsWhat People Commonly Compare
Most bad coverage decisions happen because someone only looks at one path. Reviewing multiple options — traditional coverage and cost-conscious alternatives — is usually what leads to a better fit.
The right answer depends on your actual situation: budget, doctors, prescriptions, risk tolerance, and timing all matter. A review helps identify which paths are genuinely worth considering.
See All Options Worth ReviewingTraditional ACA / Individual Coverage
Standard individual and family plans available on or off the Marketplace. Cost, network, deductible, and subsidy eligibility all vary by situation.
COBRA Alternatives
When COBRA premiums feel too high, other options may offer comparable coverage at significantly lower monthly cost.
Health Sharing
A cost-conscious alternative to traditional insurance. Not right for everyone, but worth understanding before ruling it out.
HSA-Compatible Strategies
Pairing a high-deductible plan with a health savings account can reduce monthly cost and build tax-advantaged savings over time.
Losing Coverage: The Guide
A practical guide for people turning 26, losing job-based coverage, priced out of COBRA, or reviewing alternatives. Covers the most common situations, what people typically compare, and a simple 72-hour action plan.
- A clearer decision framework for your situation
- What people commonly compare before enrolling
- Timing considerations most people miss
- What to have ready before a coverage review
Losing Coverage: The Guide
losingcoverage.com
- 1Start Here: What Kind of Coverage Problem Are You Solving?
- 2What People Commonly Compare
- 3How to Compare Intelligently
- 4Your 72-Hour Action Plan
How It Works
Three steps. No commitment required at any point.
Share Your Situation
Tell me your coverage end date, budget, doctors, and any prescriptions — using the form or by phone, whichever works best.
Review What Fits
We walk through what is available based on your actual situation — traditional plans, alternatives, and any credits or subsidies you may qualify for.
Choose Your Next Step
You decide what makes sense. The goal is a clear picture of your options — not pressure to enroll in anything on the spot.
Tupac Manzanarez
Licensed Health Insurance Agent
A Review, Not a Sales Pitch
Tupac Manzanarez helps people in coverage transition moments understand what paths may actually fit, including alternatives most people do not think to ask about. The goal is clarity and a better decision, not pressure.
- Practical guidance based on real-life situations
- Traditional plans and alternatives reviewed
- Focused on budget, timing, doctors, and prescriptions
- Straightforward conversation, not a hard sell
Questions before you start? Call 561-247-3970 or book a review online.
Learn More About TupacWhat Clients Say
Real conversations about coverage, cost, and making a better decision.
“I had no idea there were this many options. Tupac walked me through everything without any pressure. I ended up saving significantly compared to what COBRA would have cost.”
Client — Florida
Lost job-based coverage
“I was turning 26 and completely overwhelmed. The review made it clear what I actually needed to compare. I left with a real plan instead of just guessing.”
Client — Texas
Turning 26
“As someone self-employed, I had been overpaying for years. After the review, I switched to something that made more sense for how I actually use healthcare.”
Client — California
Self-employed
Names and identifying details omitted for privacy. These reflect real client experiences.
Carriers and Partners
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Frequently Asked Questions
What kinds of situations do you help with?
Coverage transitions — turning 26, losing job-based coverage, finding COBRA too expensive, and self-employed people reviewing their options. Traditional plans, health sharing, and other cost-conscious alternatives are all reviewed based on your specific situation.
Do you only help people who are losing coverage right now?
Not necessarily. Some people reach out before a coverage gap, some during one, and some who are self-employed and have been figuring it out alone for a while. If you are wondering whether there is a better option for your situation, a review is worth the conversation.
Can you help if I am self-employed?
Yes. Self-employed people often need to balance budget, doctor access, and prescription coverage differently than people with employer plans. Depending on your income and situation, traditional marketplace plans, health sharing, or other strategies may be worth reviewing.
Do you only review traditional health insurance?
No. Traditional ACA marketplace plans are reviewed, but so are COBRA alternatives, health sharing programs, and HSA-compatible strategies. The point is to understand what each option actually is before deciding.
What should I have ready before reaching out?
Your current coverage end date, a rough budget range, the names of doctors you want to keep seeing, and any prescriptions. If you do not have all of that yet, a conversation can still get started.
Does this cost anything?
The coverage review consultation is free. There is no obligation to enroll in anything.
Ready to Review Your Options?
Traditional coverage and cost-conscious alternatives — reviewed for your actual situation. No pressure, no obligation.