Your coverage ended. Here's what happens next.
Losing job-based coverage lets you buy a new plan without waiting for open enrollment. It doesn't matter whether you quit, were let go, or the job simply ended. The clock is short, and nobody sends a reminder.
That's the part I take off your plate.
Independent: I'm not steering you toward one company's shelf
Here to help, not sell
Free to you: my help costs you nothing
How long you have
60 days after your coverage ends to pick a new plan
Up to 60 days before it ends, if you know the date, so your new plan starts as soon as possible after the old one stops
Miss it, and you generally wait for the next open enrollment
Dropping a plan on your own generally doesn't open a window. Losing it does.
Open enrollment also runs November 1 to January 15. Want coverage on January 1? Enroll by December 15. Some states close later because they run their own exchange.
Your main options
A Marketplace or individual plan: depending on your income for the year, you may qualify for help with the premium.
COBRA: you keep the plan you know, but you pay the full cost, including the share your employer used to pay. That's why the quote is usually a shock.
Your spouse's plan: if your spouse's job offers coverage, you usually have 30 days to join it.
About COBRA
It isn't automatically wrong: if you're mid-treatment and changing doctors would be hard, staying put can be worth the money.
It should be a decision, not a default: I'll put COBRA next to your other options so you can compare them side by side.
Timing matters: if you start on COBRA, you can still move to a Marketplace plan until 60 days after your job coverage ended. Drop COBRA after that, and you'll generally wait for open enrollment.
If you work for a church, COBRA may not apply. Here's what that means.
What I need from you
The quickest way is my short form: Fill out the form
Have these handy:
The date your coverage ended, or the last day it's active
Dates of birth for everyone who needs coverage
ZIP code and county
A realistic estimate of this year's household income
Household size
Tobacco use
Ten minutes, and I'll come back with real options. Don't have it all yet? Book a time anyway, and we'll start with what you have.
What this costs you
Nothing: my help is free to you.
You pay the same whether you buy on an app, through an impersonal call center, or through a local agent.
The difference: you get me, and I answer the phone in March when a claim gets denied.
What I will tell you straight
If COBRA or your spouse's plan is the better deal, I'll tell you.
If you're 65 or older, Medicare works differently.
Where to start
No pressure and no obligation to buy.
Or call or text (615) 659-1923
Independent agent · Licensed in TN, AL, AR, IN, KY, NC, and VA · NPN 16627547