Texas Cobra Marketplace Alternative Research
1. Purpose This is an action playbook for finding short-term stop-gap healthcare protection for a maximum six-month unemployment gap, until new employment provides healthcare benefits. The immediate research priority is to understand whether short-term medical insurance, Aflac-style supplemental products, or CrowdHealth-style healthcare funding models can reduce emergency medical exposure at materially lower cost than ACA Marketplace coverage or full COBRA. This is not yet a final recommendation document. It is a guide for gathering the missing facts needed to make the final decision. ...