People with coverage through a job

If you lose job-based health insurance

If you lose job-based health insurance, you have 2 main options:
  • Enroll in a plan through the Health Insurance Marketplace®
  • Sign up for COBRA coverage

Option 1: Enroll in a Marketplace plan

If you leave your job for any reason (even if you quit or get fired) and lose your job-based health insurance, you can enroll in a Marketplace plan. You’ll qualify for a
Special Enrollment Period
to enroll to get coverage for the rest of the year.
For this Special Enrollment Period, you need to apply for Marketplace coverage within 60 days of losing your job-based coverage. Your coverage can start the first day of the month after you lose your job-based coverage.
When you apply for coverage in the Marketplace, you’ll find out if you qualify for:
  • Savings on your monthly premiums (called
    "premium tax credits"
    ) and extra savings on Marketplace coverage based on your income when you get covered services. Get details about these savings.
  • Free or low-cost coverage from Medicaid or the Children’s Health Insurance Program (CHIP).

Option 2: Sign up for COBRA coverage

You may be able to keep your job-based health plan through COBRA continuation coverage.
COBRA coverage lets you pay to stay on your job-based health insurance for a limited time after your job ends (usually 18 months). You usually pay the full premium yourself, plus a small administrative fee.

More answers: If you lose job-based coverage