Job Loss

What if lose coverage because I was fired, laid off or quit my job?

Option 1: Get an individual plan

If you lost your insurance benefits from an employer, you can buy your own health plan right away, either from the Health Insurance Marketplace or directly through our individual health plan options. You don’t have to wait until Fall for the next open enrollment period.

Option 2: Get covered under COBRA:

COBRA is a federal law that lets you keep yourself and your family covered by your employee health plan, which means you might be able to keep the current plan you have with your employer through COBRA continuation coverage. Coverage is only available for a limited time (often 18 months) after you leave your job or lose coverage through your employer. You pay the full monthly premium, including any amount that your employer had paid.

COBRA coverage does not come with cost assistance like plans on the Marketplace offer.

Important to note: If you lost eligibility for employer-provided health insurance, but not actual employment, you are still eligible for an individual plan or COBRA coverage.

In most cases, you have 60 days after the qualifying life event to enroll in or change your health plan, but if you have insurance through your job, you may only have 30 days to enroll. Don't wait - the sooner the better!

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