That's interesting, I didn't know that COBRA applied when moving off of a parents plan like that. As a general rule, COBRA will be a lot more expensive than an

That's interesting, I didn't know that COBRA applied when moving off of a parents plan like that. As a general rule, COBRA will be a lot more expensive than an individual plan, unless pre-existing conditions are involved, especially if you are young. In all likelihood it will also be more expensive than a group plan in your case. I don't know how New York works, but in Maryland small businesses can enroll in a small group health plan. Costs are based on the average age of the employees in the company. Can pick the level of benefits. More expensive than an individual plan for young people, but the benefits are usually better and you have all of the standard group health protections. I don't normally advocate this because I really dislike the "agent" concept in insurance, but a local insurance agent can probably help you pick the best option.