Just Lost Coverage? You Have Options

Health Insurance Between Jobs

Just lost your job-based coverage? Don't pay $700+/month for COBRA. Most people can get the SAME or better coverage for $0–$300/month.

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Why Health Insurance Between Jobs

Here's what makes our coverage different from anything else you'll find.

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Coverage Tomorrow

Short-term plans can start the next day. ACA plans typically start the 1st of next month.

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Way Cheaper Than COBRA

COBRA averages $700+/month. With ACA subsidies, most laid-off workers pay $0–$300/month for the same coverage.

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Special Enrollment Period

Job loss triggers a 60-day SEP — enroll any time, not just during Open Enrollment.

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Keep Your Doctor

We verify your current doctors are in-network before you enroll. No surprises.

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Big Subsidies

Lower income (because you're between jobs) usually means BIGGER ACA subsidies. Many qualify for free plans.

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Talk To A Human

Layoffs are stressful. Our licensed agents handle everything — no robots, no waiting on hold.

Frequently Asked Questions

Quick answers from licensed insurance experts.

How long do I have to get coverage after losing my job?
You have a 60-day Special Enrollment Period from the date your job-based coverage ends. After 60 days, you may have to wait for the next Open Enrollment unless another life event qualifies you.
Should I take COBRA or buy a marketplace plan?
Almost always a marketplace plan. COBRA averages $700+/month for individual coverage. Marketplace plans with subsidies often cost $0–$300/month for similar coverage. We do the math for you in 5 minutes.
Can I keep my doctors when I switch from job-based insurance?
Often yes — if we choose a plan whose network includes them. Tell us your preferred doctors before we recommend plans, and we'll filter for in-network.
How does income work for subsidies if I just lost my job?
Subsidies use projected income for the year. If you'll have low or no income for several months, your subsidy may be much higher (or you may even qualify for $0 plans or Medicaid).
What about Medicaid?
If your household income drops significantly, you may qualify for Medicaid (free coverage). It's available year-round. We check your eligibility for free.

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