Layoffs and career changes no longer have to dramatically impact your health insurance coverage thanks to the guaranteed portability of group health insurance policies that COBRA ensures. COBRA is a law intended to allow workers who are leaving the company as a result of layoffs or simple career change to extend their group health insurance coverage for up to 18 months. Prior to COBRA, workers had to contend with the threat of losing health insurance coverage were they to be the victim of layoffs or choose to leave the company. Not any more under COBRA as employees now have the right to extend their group health insurance coverage for up to 18 months while they seek out alternative health insurance plans. Departing employees who do choose to exercise their COBRA rights must receive full cooperation from their employer and are responsible for the entirety of the health insurance premium plus a processing fee.

Unfortunately, those costs are often too much for an employee exiting the company to cover for too long. MyInsuranceExpert.com understands that not everyone can afford to pay COBRA premiums forever. That's why at MyInsuranceExpert.com, you will find innovative tools designed to make your search for a Massachusetts health insurance plan easier. The experts at MyInsuranceExpert.com will assist you at every step of your health insurance search to find you the right Massachusetts individual or family health insurance plan to take the place of your COBRA insurance.