Losing job-based health insurance is stressful — but it usually triggers a special enrollment window, so you don't have to wait for open enrollment. The key is moving before a gap starts. Let's find you coverage quickly and calmly.
Losing coverage through a job — whether you were laid off, quit, or had your hours cut — is generally a qualifying life event. That typically opens a special enrollment period of about 60 days to pick a new plan, and coverage can often start the first of the following month. Miss the window and you may have to wait, so it's worth acting early.
The clock usually starts the day your coverage ends. The sooner we look at your options, the more of them you'll have — and the better the chance you avoid an uninsured gap.
COBRA lets you keep your old plan, but you pay the full premium yourself, which is often a shock. As an independent broker, I compare COBRA against ACA marketplace plans and private under-65 coverage side by side — so you can see the real trade-offs instead of defaulting to the most expensive one. No fee to work with me, no pressure.
Weighing COBRA specifically? See COBRA alternatives & coverage gaps →
Your special enrollment window is time-limited. I help you line up new coverage quickly so you're not left uninsured between plans.
COBRA keeps your plan but at full price. I compare it against marketplace and private options so you see the real cost trade-offs.
Many private and marketplace plans offer PPO-style networks, so a job change doesn't have to mean changing your care team.
Losing coverage is stressful. You get one licensed person who walks you through the options and the paperwork, start to finish.
Losing job-based coverage is generally a qualifying life event that opens a special enrollment window of about 60 days. Coverage can often start the first of the following month. It's best to act early so you keep the most options and avoid a gap.
No. COBRA lets you keep your existing plan, but you pay the full premium yourself. I compare COBRA against ACA marketplace plans and private under-65 coverage so you can choose on real numbers instead of defaulting to the priciest route.
A gap can leave you exposed if something happens, and depending on timing you may have to wait for the next enrollment window. That's why I move quickly to line up new coverage before your old plan ends whenever possible.
Often, yes. With a special enrollment period, a new plan can frequently begin the first of the month after you enroll. Exact timing depends on the plan and when you apply, so the sooner we start, the smoother the hand-off.
No. There's no fee to work with me — I'm compensated by the carriers, not by you. You get a licensed advisor who lays out COBRA, marketplace, and private options side by side and helps you enroll.
A quick call now can line up new coverage before a gap starts — with a clear look at every option.