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COBRA Health Insurance Oregon

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Find individual and family health insurance in Oregon

Should you continue health insurance on COBRA? NO...
Oregon Health insurance statistics and health insurance plans by city in Oregon

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COBRA is obsolete and should be repealed. The Consolidated Omnibus Budget Reconciliation Act of 1985, also known as COBRA, is a federal law that provides workers and their families the right to remain on a former employer’s health plan with the exact same coverage if they were to lose their job for most reasons. Th most common are a transition period between jobs, people whom have and employees who laid off, fired, or experience other specified life events. Individuals and Families that choose to use COBRA will pay 102 percent of the cost of the health plan and can remain on the plan for 18 months. That means you pay the full cost. The purpose of this law was to prevent individuals and Families from having an insurance gap of 63 days. This is important, because before the The Affordable Care Act (ACA) health insurers could only deny coverage for a pre-existing condition if the individual experienced a gap in health insurance coverage more than 63 days. Health Insurance beginning on or after January 1, 2014, the ACA mandates that no person can be denied by am insurance company for health care coverage due to a pre-existing condition. The elimination of the pre-existing condition exclusion for Kid’s under 19 took effect September 1, 2010. The law COBRA applies to most all employers with 20+ workers. Human resource directors and administrators with large corporations subject to COBRA often complain about the insane costs confusion of administering COBRA benefits. Most now hire outside organizations that specializing as COBRA administrators because managing this requirement with internal resources is too much of a burden and legal risk.

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So, should I buy COBRA insurance?  The answer is most  likely, no. You should search all of your Oregon Health insurance options on and off the health insurance marketplace for individuals.  Health Options Insurance offers the biggest selection of Oregon health plans for individuals, families and self employed benefits from the leading Oregon health insurance companies. We also Have Obamacare alternatives for people in good health that have comparable premiums to health insurance 12 year ago.


Call our licensed agents today to learn more about your options 1.877-578-0907

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*The advertised prices under $50/mo is based on a study for the Department of Health and Human Services which found that 46% of people paid $50 or less for an Obamacare Plan after subsidies (Burke, Misra, and Sheingold, p.2, 2014). The full study can be found here:

This website is operated by Health Options Insurance and is not the Health Insurance Marketplace website. In offering this website, Health Options Insurance is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state including medicaid ( free o, go to the Health Insurance Marketplace website at or your state run Marketplace.*Not connected with or endorsed by the United States government  3601 SW River Parkway. Portland OR, 97239

Health Options Insurance Agency is the d/b/a or assumed name of Benjamin Omlid, which is NOT  licensed as an insurance producer. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled.