COBRA Alternatives in Minnesota
Lost your job? COBRA can cost $600-$2,000+/month. Discover more affordable options through MNsure that could save you thousands.
Don't Auto-Enroll in COBRA
You have 60 days to decide on COBRA, but only 60 days from job loss to enroll in a Special Enrollment Period (SEP) plan through MNsure. Compare your options before the deadline!
COBRA vs. MNsure: Quick Comparison
COBRA
Cost: $600-$2,000+/month
Full premium + 2% admin fee
Duration: 18-36 months
Limited continuation period
Same plan & doctors
No network changes
No subsidies available
Pay full price regardless of income
MNsure
Cost: $0-$500/month typical
With subsidies based on income
Duration: Year-round coverage
Renew annually, no time limit
Large provider networks
May need to switch doctors
Subsidies available
Up to 400% FPL (~$58,320 single)
Real Savings Example
COBRA Cost
$1,200/mo
Family of 4
MNsure with Subsidy
$350/mo
$60K household income
Annual Savings
$10,200
By choosing MNsure
When COBRA Might Make Sense
- Mid-treatment: You're in the middle of cancer treatment, pregnancy, or surgery with a specific doctor
- High income: You earn too much for subsidies (above 400% FPL) and want to keep your plan
- Met deductible: You've already met your deductible and have ongoing care needs this year
- Short gap: You have a new job starting in 1-2 months with benefits
How to Enroll in MNsure After Job Loss
Gather Documents
Termination letter, income info, SSN for household
Apply on MNsure
Select "loss of coverage" as qualifying event
Compare Plans
Check if your doctors are in-network
Enroll
Coverage starts the 1st of next month
See How Much You Could Save
Use our subsidy calculator to estimate your MNsure costs based on your income.