Lost job coverage: what to check first

A source-backed guide to first steps after losing job-based health coverage.

Start with the coverage-loss date

The date coverage ends can affect Marketplace timing, COBRA decisions, and whether you need a short-term bridge. Use official sources to verify the window before canceling existing coverage.

Compare paths, not promises

Marketplace enrollment, COBRA continuation, Medicaid screening, and employer options can all matter. This guide explains paths to consider without making a plan-specific recommendation.

Use the date estimate carefully

When a coverage end date is entered, the navigator can show a planning estimate for Marketplace and COBRA timing. The displayed date is marked as an estimate and links back to official verification sources.

Prepare before sharing information

Gather the employer notice, COBRA packet, state, household size, and income band before using private quote or enrollment sites. Public v0 does not ask for name, phone, email, SSN, prescriptions, or doctor lists.

Sources

HealthCare.gov: Special Enrollment Period Retrieved 2026-05-02; last checked 2026-05-02
HealthCare.gov: COBRA coverage and the Marketplace Retrieved 2026-05-02; last checked 2026-05-02
U.S. Department of Labor: COBRA Continuation Coverage Retrieved 2026-05-02; last checked 2026-05-02