COBRA Is Expensive. A Private PPO Can Cost Half.
Healthy adults under 65 can replace COBRA with a private PPO and keep their doctors. Many clients save 30 to 60% per month.
You are paying 102% of the full premium. Your employer pays nothing.
COBRA expires in 18 months and you need a long-term plan that fits your life.
You are locked into a plan that may not match the doctors or coverage you actually need now.
Takes 90 seconds. No obligation. Licensed agents only.
COBRA Was Never Meant to Be a Long-Term Plan
COBRA is a bridge. It was never built to be affordable. The moment you lose your job, your employer stops paying. You pay everything plus a 2% admin fee. Most people can get the same or better coverage for far less.
The Problem
Staying on COBRA
- Costs up to 102% of your full premium - your former employer's share plus yours
- Locked into your old employer's plan and network with no flexibility
- Must pay in full each billing cycle or lose coverage with limited grace
- Standard COBRA expires after 18 months (some qualifying events extend to 29 or 36 months)
- Same plan even if it no longer fits your life or budget
- Premiums can increase as the underlying group plan rates change at renewal
The Solution
Private PPO Alternatives
- Private PPO plans with nationwide coverage and doctor freedom
- Keep your preferred doctors or switch to better specialists
- Flexible plan tiers to match your healthcare needs and lifestyle
- Coverage that continues as long as you need it
- No referrals required to see any specialist, anywhere
- Enroll in days, not weeks. Same-day applications available.
Private PPO Plans Cover Everything COBRA Did
Same benefits. Real networks. A fraction of the cost.
Doctor Visits
Primary care and specialist visits covered
Nationwide Access
Use doctors anywhere in the country
Emergency Care
ER visits covered at any hospital
Prescriptions
Broad drug formulary, often at lower cost
Dental & Vision
Add-on options available with most plans
Mental Health
Therapy and counseling covered
Preventive Care
Annual exams, screenings, and vaccines
Telemedicine
Concierge virtual visits 24/7 with board-certified physicians
Switching Takes 3 Steps. COBRA Takes Your Money.
Stop overpaying. Start today.
Tell Us Your Situation
Answer a few quick questions about your timeline and current COBRA cost. Takes 90 seconds.
See Your Options
A licensed specialist compares private PPO plans to your COBRA cost side by side.
Switch and Save
Enroll in minutes. Coverage starts the 1st of next month. No lapse in coverage.
Losing Your Job Is Hard. Losing Your Coverage Does Not Have to Follow.
Dynasty Insurance Group connects executives and entrepreneurs leaving COBRA with private PPO plans built for high earners, often with broader networks and richer benefits. We are not a public exchange. We are licensed specialists who curate carrier-direct options for you.
No pressure. Concierge service. Just answers.
Licensed in Your State
Every agent we work with is state-licensed and compliant.
Carrier-Compensated
Premiums are identical whether you work with us or buy direct. Carriers compensate us.
5-Minute Response
A real specialist contacts you within 5 minutes on business days.
Your Data Is Secure
We don’t sell your information to advertisers. Your details go only to our licensed insurance partners.
Real People Who Dropped COBRA
Healthy adults under 65 are walking away from COBRA, keeping their doctors, and saving hundreds every month with private PPO plans.
Was paying
$1,090/mo COBRA
Now pays
$640/mo PPO
“COBRA was killing my severance. The agent showed me a private PPO at $640 with the same network as my old job. Saved me almost $5,000 over six months.”
Marcus B.
Laid off after 12 years
Houston, TX
Was paying
$1,820/mo COBRA
Now pays
$815/mo PPO
“Family of four on COBRA was $1,820 a month. We switched to a private family PPO at $815, kept our pediatrician, and the deductible is actually lower.”
Sandra L.
Family of 4, severance ending
Atlanta, GA
Was paying
$1,150/mo COBRA
Now pays
$720/mo PPO
“I was about to start a new business and COBRA at $1,150 wasn't going to work. Got a private PPO for $720, kept my doctor, and the premiums are tax deductible now too.”
Daniel P.
Career change
Tampa, FL
Client savings stories are illustrative of typical outcomes. Actual rates depend on age, household composition, state, plan selection, and underwriting. A licensed agent will quote you directly.
Stop Overpaying. Start Saving.
It takes 90 seconds to find out how much you could save. Licensed agents, no obligation.