LTN CollectiveInsurance Advisors

I lost my job — what do I do about health coverage?

Losing a Job

Losing a job often means losing employer coverage. The good news: it usually opens a special enrollment period, so you have real options without waiting for open enrollment.

What's happening

Your situation

  • Losing employer coverage typically opens a special enrollment period
  • There's usually a limited window to act after coverage ends
  • A drop in income may increase any subsidy eligibility

Your options

Paths to consider

  • An individual or family marketplace plan, possibly with subsidies
  • COBRA continuation if it makes sense for your situation
  • Coverage through a spouse's plan, if available

Not sure where to begin?

Find the right advisor—not just the right policy.

Whether you're comparing Medicare plans, protecting your family, or building benefits for your business, we'll connect you with the advisor who specializes in your needs.