COBRA
Lets you keep your current plan after coverage would otherwise end. Time-limited. COBRA is usually not free — confirm the exact monthly cost with your plan administrator before electing.
Marketplace (HealthCare.gov)
Job loss is a qualifying event for a Special Enrollment Period. May be cheaper with subsidies.
Spouse / partner plan
Job loss may open a special enrollment window to join a partner's plan. Confirm the deadline with the plan administrator.
Medicaid
Income-based; may be available depending on household income.
Decision checklist
- Date your current health coverage ends
- COBRA election notice received? When?
- COBRA monthly cost estimate
- Marketplace plan estimate (Special Enrollment Period applies)
- Spouse / partner employer plan option
- Medicaid possibility based on household income
- Dependents' coverage continuity
We don't recommend a specific plan. Consider speaking with a licensed health insurance broker (often free to you).