Your coverage ended. Here's what happens next.
Losing job-based health insurance is one of the few things that lets you buy a new plan without waiting for open enrollment. That window is usually 60 days from the day your coverage ends, and it can also open up to 60 days before it ends, which almost nobody is told.
Miss it and you are generally waiting for the next open enrollment period, with coverage that doesn't begin until the following January.
What you'll want to have handy
Date your coverage ended, or the last day it's active
Dates of birth for everyone who needs covering
Your zip code and county
Roughly what your household expects to earn this year, and how many people are in it
Whether anyone uses tobacco
That is all I need to show you real plans and real prices. It takes about ten minutes on the phone.
About COBRA
COBRA keeps the plan you already know, which is worth something. It is also the same plan without your employer paying their share, which is why the quote is usually a shock.
It is not automatically the wrong answer. If you are mid-treatment and changing networks would be disruptive, staying put can be worth the money. But it should be a decision, not a default. I'll tell you honestly which way I'd lean in your situation, and I get paid the same either way.
What this costs you
Nothing. I'm paid by the carrier when someone enrolls, at rates set by the plan. The price is the same whether you use an agent or not, so there is no version of this where working with me costs you more.
Or pick a time and I'll call you
Independent agent · Licensed in TN, VA, AR, IN, KY, NC and AL · NPN 16627547