Generally the cobra option is a lot more in premium than an individual plan.The good news with cobra coverage is the benefits usually have a low deductible but you pay handsomely for the rich coverage.The better news is with an individual plan, the deductible is high but the premium is about half the cobra coverage .

If you’re healthy and have no pre existing conditions, you will about 1/2 the premium amount for  an individual plan.

The cobra coverage will  take you to January of 2014 when you’ll be able to purchase a guaranteed coverage plan through either a private company or on the exchange . At this point, children are accepted guarantee issue however they may be charged 2X the premium.
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