Health insurance options after leaving a job.

COBRA continuation

Keeps your exact employer plan, network, and deductible progress — but you now pay the full premium (plus a small admin fee). Often the most expensive option. Worth it if you're mid-treatment or specifically need to keep the same network.

ACA marketplace with a Special Enrollment Period

Losing coverage typically opens a 60-day Special Enrollment Period. If your income after leaving qualifies for premium tax credits, the marketplace is often dramatically cheaper than COBRA.

Private (off-exchange) plans

Private plans skip subsidies but can enroll year-round and often offer broader PPO networks. A common fit for people who don't qualify for subsidies or missed the SEP.

A spouse's employer plan

If your spouse has group coverage, your job loss is usually a qualifying event to enroll mid-year. Sometimes the cheapest and simplest path.

Short-term plans

Cheap monthly premiums but limited coverage — usually no pre-existing condition coverage and no ACA essential benefits. Can bridge a short gap; not a long-term solution.

Why you have to act fast

Both COBRA and marketplace SEPs typically give you 60 days. Miss the window and your options narrow. A quick 15-minute call with an advisor is usually enough to compare all five paths.