Losing a job also means losing employer health coverage, usually at the end of the month or on your last day. You have options, and losing coverage qualifies you for a special enrollment period.
Option 1: COBRA
COBRA lets you keep your employer's plan, often for up to 18 months, but you usually pay the full premium plus a small fee. It keeps your doctors and deductible progress intact, which matters mid-treatment.
Licensed agents compare plans from several carriers, check your doctors and estimate your subsidy. Free to you.
Call 866-645-8540Option 2: A marketplace plan
Losing job-based coverage gives you 60 days to enroll in a marketplace plan. With a lower income, you may qualify for a premium tax credit that makes it far cheaper than COBRA.
Option 3: Medicaid
If your income drops enough, you may qualify for Medicaid, which you can apply for any time.
Comparing
Compare your COBRA premium with the after-subsidy price of marketplace plans in your area, and check that your doctors are covered. Watch the deadlines: the marketplace window is 60 days from losing coverage.
A licensed agent can compare COBRA and marketplace options with you.
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