Lost Your Job? Don’t Lose Your Health Coverage.

Affordable Care Act (ACA) Plans 

Pros: 

• Comprehensive coverage, including essential health benefits (doctor visits, hospital care, prescriptions, and preventive care)
• Potential financial assistance (premium subsidies and cost-sharing reductions)
• Cannot be denied coverage due to pre-existing conditions
• Available in a variety of coverage levels (Bronze, Silver, Gold, Platinum) 

Cons: 

• Limited enrollment period (you typically have 60 days after losing job-based coverage to enroll)
• Higher premiums (if you aren’t eligible for subsidies)
• Potentially high deductibles (depending on the plan selected)

Best For: 

• Individuals and families who need full coverage and want financial assistance
• Those with ongoing health conditions or prescriptions
• Anyone who lost job-based coverage and needs a long-term health insurance solution

Short-Term Health Plans 

Pros: 

• Lower monthly premiums compared to ACA plans
• Quick enrollment, often available within days

Cons: 

• Limited coverage up to three months (may not include prescription drugs, maternity care, or mental health services)
• Can deny coverage based on pre-existing conditions
• Not eligible for ACA subsidies
• May have high out-of-pocket costs 

Best For: 

• Healthy individuals who need temporary coverage while between jobs
• Those who missed the ACA enrollment period and need short-term insurance
• Anyone looking for a lower-cost option with basic medical coverage

COBRA Continuation Coverage

Pros: 

• Keeps you on your employer’s health plan, so coverage remains the same
• Covers pre-existing conditions and prescriptions
• Allows you to keep existing doctors and networks

Cons: 

• Very expensive—you pay 100% of the premium + a 2% administrative fee (no employer contribution)
• Limited coverage period (18–36 months, depending on the situation)
• Must enroll within 60 days after job loss
• Not an option if your employer goes out of business 

Best For: 

• Individuals who want to keep their current coverage as it stands
• Those who are currently undergoing medical treatments and need to maintain continuity
• People who expect to find a new job with benefits soon and need short-term coverage 

If You’re 65 or Older 

If you’re eligible for Medicare, losing employer health coverage may mean you need to choose between Medicare and COBRA. Your Medicare options include: 

• Medicare Advantage Plans – All-in-one coverage, often with extra benefits.
• Medicare Supplement Plans – Help cover costs that Original Medicare doesn’t.
• Part D Prescription Drug Plans – Make prescription medication costs more affordable. 

Choosing a health plan can feel overwhelming, but we simplify the process and help you every step of the way so you can find coverage that works for you.

1. 20-minute Assessment – We’ll learn about your situation and explain your coverage options in 20 minutes or less.
2. Review Your Plan Choices – We’ll help you compare plans to find one that fits your needs and budget - all at no cost to you.
3. Enroll & Receive Ongoing Support – We’ll guide you through enrollment and provide ongoing support whenever you need it. 

Losing your job is stressful enough—let us take the guesswork out of health insurance.