Applying for Individual Health Insurance after Cobra

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jun 9, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Andover, MN

Asked on 06/09/2010

Applying for Individual Health Insurance after Cobra In Minnesota when applying for health insurance can an individual apply to the four insurance carriers at the same time? Or do I have to wait on acceptance or denial of one before checking with the others? Thank you

Answer given on June 10, 2010

You’ll have to fill out all the apps, but certainly, yes, you can apply to all of them at once.  Their quote to you on your rates/plan is not a binding contract until you sign and return the offer back to the agent or carrier.  There will probably be a form for bank draft ( ACH ) or monthly billing as well, that will be included with their quote/offer to you.  Make sure to send this in as well once you have decided on a plan.

Keep in mind, if you have any conditions that require additional information, you’ll need to fill out all of that on each application as well. 

Do make sure you get them all turned in about the same time, also.  Rates expire after a given period ( be sure to read this on their quote to you ) so make sure you don’t have to redo the process by missing a deadline.  They might not all come back at the exact same time, but do as much as you can to keep from missing any deadline or expiration on an offer/quote.

I’m curious as to why you went with COBRA, since you’re applying for individual now, which will most likley be much less expensive for you in terms of premium costs.  Either way, make sure you only buy what you need, and not a fully blown plan with all kinds of coverage for things you’ll never need.  Otherwise you’re just throwing away your money.

I’d recommend going high deductible HSA compatible plan if you can. 


Best of luck!

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption