The Hidden Alternative Most HR Departments Won't Tell You About
Losing your job doesn’t just mean losing a paycheck — it often means losing your health insurance too.
In today’s healthcare landscape, going uninsured even for a month can leave you financially vulnerable.
But here’s what most people don’t realize:
Beyond expensive COBRA coverage, there’s a more affordable option that could save you thousands — U65 Health Insurance.
At ABC Insurance Group, we’ve helped thousands of Americans who suddenly found themselves without employer coverage find quality, affordable U65 health insurance — often at 30–60% less than what they were paying through workplace plans or COBRA.
Here’s your complete guide to securing this coverage quickly without breaking the bank.
What Exactly Is U65 Health Insurance?
U65 (Under 65) Health Insurance refers to private health insurance plans designed for individuals under age 65 who aren’t yet eligible for Medicare. These plans operate outside the ACA marketplace and offer several distinct advantages:
- Lower premiums: Typically 30–60% less expensive than COBRA or unsubsidized ACA plans
- Flexible enrollment: Available year-round, not just during special enrollment periods
- Customizable coverage: Pay only for the benefits you actually need
- Provider flexibility: Many plans allow you to keep your current doctors
For those who’ve just lost employer coverage, U65 plans represent a lifeline that many aren’t aware exists.
Example of Real Savings: How U65 Plans Compare to Traditional Options
When you lose your job, you’re typically presented with two options: COBRA continuation coverage or ACA marketplace plans. Here’s how U65 plans stack up:
- COBRA Coverage: Allows you to keep your employer plan, but at a steep price — typically the full premium plus a 2% administrative fee. Many people are shocked when their COBRA quotes come in between $1,200–$1,800 monthly for family coverage.
- ACA Marketplace Plans: Unless you qualify for significant subsidies, these plans often come with high premiums.
- U65 Private Plans: Offer comparable coverage at dramatically lower costs, with 30–60% savings.
Types of U65 Health Insurance Plans Available
1. Comprehensive Private U65 Plans
Best for: Most people seeking robust coverage at lower monthly premiums
Key Benefits:
- Major medical coverage, including hospitalization
- Outpatient care and doctor visits
- Prescription drug coverage options
- Preventive care benefits
- Flexible provider networks
2. Short-Term U65 Health Insurance
Best for: Those needing immediate coverage for a defined period (1–12 months)
Key Benefits:
- Quick approval (often within 24 hours)
- Lower premiums than comprehensive plans
- No enrollment period restrictions
- Coverage for unexpected illnesses and injuries
3. U65 Health Sharing Plans
Best for: Relatively healthy individuals looking for catastrophic protection at lower monthly costs
Key Benefits:
- Significantly lower monthly contributions
- No network restrictions in many plans
- Year-round enrollment
How to Choose the Right U65 Plan: 5 Critical Questions
- What level of coverage do you need?
Consider your typical healthcare usage and risk tolerance. - Do you need to keep your current doctors?
Always verify network coverage before enrolling. - Do you take prescription medications regularly?
Ensure your medications are covered affordably. - What’s your budget for monthly premiums vs. out-of-pocket costs?
Balance premium savings against your healthcare needs. - How quickly do you need coverage to begin?
Many U65 plans can start as soon as the next day.
The U65 Application Process: Faster Than You Think
One of the biggest advantages of U65 health insurance is its streamlined application process:
- Consultation with a licensed agent: Discuss your needs, budget, and preferences.
- Plan comparison: Review multiple options from different carriers.
- Application: Complete a simple, often online, application.
- Approval: Many plans offer same-day or next-day approval.
- Coverage begins: Often effective as quickly as the next day.
Taking Action: Your Next Steps
The worst thing you can do after losing job-based health insurance is nothing. Even a short gap in coverage can lead to financial disaster if an unexpected medical event occurs.
Here’s your action plan:
- Click to Contact a U65 specialist: Get expert guidance tailored to your needs
- Compare multiple U65 options: Don’t settle for the first plan you find
At ABC Insurance Group, we specialize in helping people who’ve lost employer coverage find affordable U65 alternatives quickly. Our network of licensed agents will compare multiple carriers to find the best fit for your healthcare needs and budget.
Final Encouragement
Don’t let health insurance concerns add to the stress of a job transition.
📞 Call us at (833) 810-5029 or
🌐 Click Here to get your quote for U65 options today.
Most people are surprised to discover they can maintain quality coverage for far less than they expected.
Your health security is too important to leave to chance — or outdated advice about limited options.
Take control of your healthcare future with U65 health insurance today.
