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Tools

Contextual checks

Use on-device checks for dates, state routing, COBRA status, and income-band context after the relevant playbook is clear.

These checks keep inputs on your device. They do not send information to a broker, carrier, marketplace partner, quote form, or saved profile.
Contextual checks visual: Private planning workbenchWorkbench visuals show that local checks organize facts on the reader's device without sending personal details.Original HealthPlansGuide visual

Hub pathway

Use this hub as a curated route into source-reviewed pages, then move to official sources before acting on deadlines, eligibility, or enrollment decisions.

Choose by coverage moment

Scan the route list for the coverage change, deadline, or official-source question closest to your situation.

Browse this route

  1. SEP deadline checker

    Check official next steps after losing job-based coverage.

  2. Marketplace SEP document timeline worksheet

    Organize Special Enrollment Period event dates, document timing, and official Marketplace route checks without sharing identity or contact details.

  3. COBRA vs Marketplace decision helper

    Compare COBRA and Marketplace next steps before sharing contact information anywhere.

  4. COBRA employer offer worksheet

    Organize employer COBRA offer costs, deadlines, and Marketplace verification questions without sharing contact information.

  5. COBRA ending next-step planner

    Separate COBRA running out from voluntarily dropping COBRA early.

  6. Turning 26 checklist

    Organize first steps when dependent coverage is ending.

  7. Moving coverage checker

    Find official routing after moving states or counties.

  8. Retiring before 65 coverage planner

    Map coverage paths before Medicare starts.

  9. ACA subsidy estimate explainer

    Estimate an FPL band client-side and understand why Marketplace verification controls premium tax credit details.

How to use this hub

HealthPlansGuide is independent and is not a government website, broker, carrier, marketplace, or enrollment platform. This hub organizes educational pages around official sources; verify deadlines, eligibility, and enrollment decisions through official sources or licensed help.

Sources

Sources used to check this page.

  1. HealthCare.gov: Special Enrollment Period (official government source, checked )
  2. HealthCare.gov: COBRA coverage and the Marketplace (official government source, checked )
  3. U.S. Department of Labor: COBRA Continuation Coverage (official government source, checked )
  4. HealthCare.gov: Send documents to confirm why you're eligible for a Special Enrollment Period (official government source, checked )
  5. HealthCare.gov: How do I upload a document? (official government source, checked )
  6. CMS: States by Marketplace Type for Plan Year 2026 (official government source, checked )
  7. CMS / CCIIO: State-based Exchanges (official government source, checked )
  8. HHS: Young Adult Coverage (official government source, checked )
  9. Federal Register / HHS: Annual Update of the HHS Poverty Guidelines (official government source, checked )
  10. KFF: ACA Enhanced Premium Tax Credit Calculator (editorial analysis, checked )