⚠️  COBRA deadlines are strict — you have 60 days after losing coverage to enroll. Don't miss your window.
COBRA Trap Warning

Got a COBRA Notice?
You're Probably About to Overpay by Thousands.

Most laid-off W2 professionals don't realize COBRA forces them to pay 100% of the premium — including what their employer used to cover. There are better options, and I'll find yours in one free call.

Book My Free Consultation See how it works ↓
100% Free — No Obligation
Results in 48 Hours
Licensed Independent Broker
30+ Carrier Options

⏱ You have just 60 days from your last day of coverage to elect COBRA or find an alternative — after that, you may face a gap in coverage. Don't wait.

The COBRA Reality Check

Here's What COBRA Actually Costs You Each Month

Your employer was quietly paying the majority of your premium. The moment you're laid off, that bill lands entirely in your lap — plus a 2% admin fee.

Most employees only ever saw $150–$300 deducted from their paycheck. They're shocked when they receive a COBRA invoice for $700 to $2,200 a month. I help you find a plan that matches or beats your old coverage at a fraction of the cost.

❌ COBRA (Individual)
What you'll pay keeping COBRA
$700–$900/mo
❌ COBRA (Family)
Average family COBRA premium
$1,800–$2,400/mo
✅ Better Alternative (Individual)
Typical client savings with Caden
$200–$450/mo

Average client saves annually

$7,200+
by switching from COBRA to a better-fit plan

The Process

Three Steps to Better Coverage

Simple, fast, and completely free to you. As an independent broker, I'm paid by the carrier — not you.

1

Book a Free 30-Min Call

We talk through your situation — income, health needs, budget, and the timeline of your COBRA window. No pressure, no sales pitch.

2

I Shop 30+ Carriers For You

I compare ACA marketplace plans, short-term coverage, HSA-eligible options, and more — across every major carrier available to you.

3

You Get a Tailored Recommendation

Within 48 hours, I present you with the best 2–3 options at your budget. You pick the one you like. I handle all the enrollment paperwork.

Ideal Clients

You're in the Right Place If You're…

💼

Recently Laid Off or in a Transition

You received a COBRA notice or expect one soon after leaving your W2 job and need to understand your real options fast.

💰

Earning $80K+ Annually

Higher-income earners often miss subsidies but have better plan options. I know exactly what works at your income level.

🏃

Relatively Healthy

If you're in decent health with few ongoing prescriptions, you may qualify for leaner, better-priced plans that COBRA can't touch.

⏱️

Navigating a Tight 60-Day Window

Whether you just received your notice or it's been 45 days, I work fast. I help clients make confident decisions in days, not weeks.

Free Download

The COBRA Escape Guide

A plain-English breakdown of every real alternative to COBRA — and how to know which one is right for you.

✓
The true cost of COBRA vs. your actual alternatives — side by side
✓
How ACA marketplace plans work when you're between jobs (and who qualifies)
✓
When a short-term "bridge" plan makes sense — and when it doesn't
✓
The 60-day clock: a timeline of exactly what to do and when
✓
5 questions to ask before choosing any health plan
📋
The COBRA Escape Guide
PDF · Free · Instant download · 8 pages

Get the Free Guide Instantly

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🔒 No spam, ever. Unsubscribe anytime. Your info stays private.

Client Stories

Real People, Real Savings

★★★★★

I got my COBRA notice and almost paid $1,400/month without thinking twice. Caden found me a comparable plan for $310. In one call. I couldn't believe it.

Michael R.
Software Engineer, laid off after 7 years
★★★★★

Caden explained everything in plain English — no insurance jargon. He had three options in my inbox by the next morning. I saved over $900/month for my family.

Sarah & Tom K.
Family of 4, relocated after layoff
★★★★★

I had 12 days left on my COBRA window when I found Caden. He turned it around in 48 hours and got me enrolled before the deadline. Absolute lifesaver.

Diana L.
Marketing Director, career transition

About Caden

An Independent Broker Working For You — Not the Insurance Companies

I don't work for any single carrier. That means my only job is finding the plan that's right for your life — not hitting a sales quota for a specific company.

Licensed Health Insurance Broker
Access to 30+ major insurance carriers
Specializes in COBRA alternatives for W2 professionals
Zero cost to clients — broker fee paid by carrier
Ongoing support after enrollment — I don't disappear
Caden Douglas — Independent Health Insurance Broker

Common Questions

Everything You're Probably Wondering

Does it cost anything to work with you?

Absolutely nothing. As an independent broker, I'm compensated directly by the insurance carrier you choose. Your premium is the same whether you come through me or buy the plan yourself — except you get expert guidance for free.

How is COBRA different from just buying insurance?

COBRA keeps your old employer's plan, but you pay 100% of the cost (plus 2% admin). Marketplace and private plans are often much cheaper for healthy individuals and can offer equal or better coverage.

What if I think I'll get a new job soon?

Short-term and bridge plans exist specifically for this. We can set you up with coverage that's easy to exit when you get your new benefits — without paying COBRA rates in the meantime.

What if I have pre-existing conditions or ongoing prescriptions?

Great question — and it matters for which plans we consider. I'll ask about this in our call. ACA plans can't deny you for pre-existing conditions. I'll make sure your specific needs are covered before recommending anything.

How fast can you get me covered?

Most clients get a personalized recommendation within 24–48 hours of our call. Enrollment can be completed in days. If you're close to your 60-day window, tell me — I'll prioritize your case immediately.

Is the consultation really just 30 minutes?

Most are 20–30 minutes. I come prepared with questions so we don't waste your time. By the end of the call, I'll have everything I need to start shopping plans for you.

Stop Overpaying for COBRA.
Let's Fix This — For Free.

Book a free 30-minute consultation. I'll review your situation, shop every option available to you, and show you exactly how much you can save.

Free COBRA Consultation

With Caden Douglas · Independent Health Insurance Broker

✓
30-minute video or phone call
✓
Personalized plan comparison — 30+ carriers
✓
Side-by-side COBRA vs. alternative cost breakdown
✓
No pressure, no obligation to enroll
✓
Results delivered in 48 hours
Book My Free Consultation →

📞 Prefer to call or text? Reach Caden at (727) 424-2171

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