- Leaving a state or university job? Compare COBRA against individual plans before you elect.
- Early retirees under 65 need a plan that bridges the gap until Medicare.
- Self-employed consultants and contractors may be able to deduct 100% of their premiums.
- Check access to Tallahassee Memorial and HCA Florida Capital Hospital before you enroll.
Tallahassee’s economy revolves around state government and its universities. That creates a very specific set of health insurance situations: state employees leaving for private consulting or lobbying work, adjunct faculty and researchers on contracts, early retirees who need coverage until Medicare, and small firms that serve the capitol.
We’re an independent health insurance broker in Florida serving Tallahassee and Leon County by phone and video. We compare health insurance plans from 30+ carriers for individuals, families, self-employed consultants and small businesses. This guide covers COBRA vs. individual plans, bridging to Medicare, PPO networks, deductibles and the self-employed write-off.
Leaving a State or University Job in Tallahassee? COBRA vs. Individual Coverage
Many Tallahassee professionals spend years in state government or at a university, then move into consulting, lobbying or private practice. When that employer coverage ends, you’ll be offered continuation coverage. It keeps your plan, but you pay the full premium plus up to 2%, and that bill can be a shock.
You generally have 60 days to elect COBRA, and coverage is retroactive, which gives you time to compare. We quote individual plans with PPO networks that include Tallahassee Memorial and your specific doctors, and show you the cost difference in dollars.
Retiring before 65? COBRA usually runs 18 months, which may not reach Medicare. We compare individual plans that can bridge the full gap, with a focus on a low max out-of-pocket. And if you’re now self-employed, your premiums may qualify for the self-employed health insurance deduction.
Individual and family coverage in Tallahassee
Tallahassee households often include state and university employees, graduate students and their families, and consultants who move between public and private work. We help families compare employer options with individual plans when a job changes, and check networks for the local health systems.
Self-employed and 1099 workers in Tallahassee, such as government affairs consultants, lobbyists, policy contractors, adjunct faculty, researchers and realtors, can compare individual plans, private PPO options or ACA marketplace coverage. Families can start with our guide to family health insurance.
Small business health insurance in Tallahassee
Lobbying and consulting firms, professional practices and small contractors around the capital often have a few employees. We compare small group plans, ICHRA allowances and owner-only coverage, and explain how each works for staff who travel during the legislative session.
Whether you run a consulting or government affairs firm near the capitol, a professional services practice, or a contracting company, see how small group health insurance works, including level-funded plans and ICHRA.
Doctors and hospitals in Tallahassee
Health systems serving Tallahassee and Leon County include Tallahassee Memorial HealthCare and HCA Florida Capital Hospital, plus specialists who refer to larger systems in Gainesville and Jacksonville. Networks differ by carrier and plan, so we check your doctors, hospitals and prescriptions against each plan’s directory before recommending anything.
Situations we help with in Tallahassee
Former state employee turned consultant
Comparing COBRA vs. a PPO plan, and wants to write off the premium as a 1099 earner.
Adjunct professor on contract
No employer plan, needs affordable individual coverage with a capped max out-of-pocket.
Early retiree, age 60
Needs coverage that bridges five years to Medicare with access to Tallahassee Memorial.
How we help Tallahassee residents compare options
Leaving a state or university job is the most common reason Tallahassee clients call us. We compare COBRA or state continuation against individual and private plans, and for early retirees, map out coverage until Medicare.
There is no fee for our advice; carriers compensate brokers. Call (321) 442-6966 or request a free comparison below. Leaving a job? Compare COBRA alternatives first.
Areas we serve in and around Tallahassee
- Downtown / Capitol area
- Midtown
- Betton Hills
- Killearn
- Southwood
- Lafayette Park
- Frenchtown
- Bradfordville
- Crawfordville
- Quincy
General information only, not tax, legal or medical advice. Plan availability, networks, benefits and pricing vary by carrier, plan and ZIP code. Some plans are medically underwritten and may limit pre-existing conditions. Hospital names are listed for reference only and do not indicate network participation. Stratton Advisory Group is an independent agency and is not affiliated with any insurance carrier or health system.