02/18/2026
COBRA quoted this healthy Texas family $2,600 a month.
For health insurance.
Dad had just left his job. Two adults, mid-50s, two teenage children. Nobody sick. No one on expensive medications. Just a normal, healthy family who needed coverage.
$2,600 a month.
They did what most people do — they Googled. They checked the marketplace. They called a some agents. And everything they found was in the same ballpark. High premiums. High deductibles.
So they started to accept it. Maybe this is just what it costs at our age. Maybe this is just how it works.
It isn't.
What most people don't realize — is that there's an entirely different category of health plans that never shows up on the main marketplaces.
Medically underwritten plans. Built for healthy people. Priced accordingly.
This family qualified. And their new plan came in at $1,200/month.
Full family coverage. Zero dollar deductible for basic care. Low max out-of-pocket if something serious ever happened.
$1,400 a month back in their lives. Every month.
If you're healthy and you're overpaying — there's a real chance you're leaving money on the table simply because nobody showed you what else exists.
DM us the word COBRA and we'll take a look at what's actually available to you. Free. No obligation. Just options.
