BOCA RATON, FL / ACCESS Newswire / October 23, 2026 / Michigan employees who lose job-based coverage face a decision about continuing it through COBRA or looking elsewhere. Health Insurance Now, a licensed health insurance brokerage, said it helps laid-off and transitioning workers evaluate cost, network and timing before the election window closes, and offers a side-by-side look at private plans from more than 25 national carriers.

Continuation coverage generally requires the worker to pay the full premium, including the portion an employer previously covered, plus an administrative fee. Health Insurance Now says that cost leads many people to compare other options. Rules vary by employer and circumstance, and the company encourages workers to confirm details and deadlines with their plan administrator, since the election window is limited and missing it can limit choices.

"Someone weighing COBRA insurance in Michigan should see the full picture before the deadline arrives," said Matthew Sechter, CEO of Health Insurance Now. "That means cost, doctors and how quickly coverage can start. We help people line those three things up so the decision is based on information and not on pressure."

Private plans are available year-round and are not tied to the government enrollment calendar, the company says. Its agents compare options from more than 25 national carriers, including private PPO networks with nationwide access, and coverage can often begin within 24 to 48 hours of approval. Eligibility, pricing and availability vary by state, plan and individual, and some plans exclude pre-existing conditions, so agents review plan details with each applicant.

"For some families, keeping the same plan is the right call," Sechter said. "For others, a private plan fits the budget better. Either way, it should be a choice made with all the facts, and it should be made while there is still time to compare."

Applicants work with licensed agents by phone and can receive quotes in minutes. The brokerage handles the enrollment paperwork for those who choose a private plan and provides support after enrollment, so laid-off or transitioning employees are not left to sort out a new plan on their own during an already stressful period.

About Health Insurance Now

Health Insurance Now is a Boca Raton, Florida-based licensed health insurance brokerage that helps individuals and families compare private health insurance plans from more than 25 national carriers. Using proprietary matching technology and live licensed agents, the company offers year-round enrollment, PPO network options and quotes in minutes. Learn more at https://healthinsurancenow.com/.

Media Contact:

Matthew Sechter
Health Insurance Now, 980 N Federal Highway, Suite 308, Boca Raton, FL 33432, United States
866-243-1130
info@healthinsurancenow.com

SOURCE: Health Insurance Now