Between Jobs / No Employer Plan

Health Insurance Without a Job

Lost your job or your employer coverage? You have more options than COBRA. A licensed agent compares marketplace, private, and short-term plans and finds coverage that fits your budget now.

Losing job coverage opens a Special Enrollment window
Often cheaper than COBRA
Coverage can start quickly
Free help from a licensed agent

Free quote · No obligation · Takes ~60 seconds

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Where are you located?

Plans and subsidies vary by ZIP code.

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Losing job coverage opens a door

Losing health coverage from a job is a qualifying life event, which means it usually opens a Special Enrollment Period. You do not have to wait for Open Enrollment; you can typically enroll in an ACA plan within about 60 days of losing your coverage.

That is important because it gives you real choices right when you need them, instead of feeling stuck.

COBRA is not your only option

COBRA lets you keep your former employer’s plan, but you usually pay the full premium yourself, which is often expensive. For many people, an ACA marketplace plan (possibly with a subsidy) or a private plan costs less for comparable coverage.

A licensed agent compares COBRA against marketplace and private plans side by side so you can see the real difference before you commit to anything.

Options while you are between jobs

Depending on your situation and state, an agent can compare:

An ACA marketplace plan through your Special Enrollment Period, with a subsidy if you qualify
A private, off-exchange plan
A short-term plan to bridge a short gap, where available
Whether keeping COBRA temporarily makes sense for you

Reviewed by licensed insurance agents

This information is provided by the licensed agents at Affordable Insurance Plans (National Producer Number 21004595), an independent broker. It is general education, not a plan recommendation. We are not affiliated with HealthCare.gov, any state marketplace, or any government agency. Speak with a licensed agent for advice about your situation.

Frequently Asked Questions

Losing job-based coverage usually opens a Special Enrollment Period, so you can enroll in an ACA plan within about 60 days, often with a subsidy. A private or short-term plan may also be available. A licensed agent compares all of these for free.

It depends, but marketplace or private plans are often cheaper than COBRA because with COBRA you typically pay the entire premium yourself. A licensed agent compares COBRA against marketplace and private options so you can see the real cost.

Often quickly. A Special Enrollment Period lets you enroll in an ACA plan right away, and private or short-term plans can sometimes start within days. An agent will tell you the fastest legitimate path to coverage.