Lost Your Job? Get Health Coverage Fast
You Have 60 Days to Enroll—We'll Help You Do It Right.
Losing your job is stressful enough. Don't lose sleep over health insurance too. You qualify for a Special Enrollment Period that lets you get affordable ACA coverage immediately—often for 50-90% less than COBRA. We'll show you all your options and enroll you the same day.
Worried About Health Insurance After Job Loss?
- Lost employer coverage and don't know what to do next
- COBRA costs $600-1,500/month and you can't afford it
- Worried about missing enrollment deadlines
- Can't afford to be uninsured with a family to protect
- Don't want a gap in coverage but confused about options
- Overwhelmed dealing with job search AND health insurance
Get Covered Fast
Coverage starts within 30 days
With premium tax credits
Seamless transition
You have 60 days from your last day of employer coverage
What You Need:
- • Last day of employer coverage
- • Estimated 2025 income
- • List of current medications
- • Preferred doctors (optional)
No cost for our help
Your Health Insurance Options After Job Loss
We compare all options and help you choose the best one for your situation
ACA Marketplace Plan with Premium Tax Credits
Losing your job qualifies you for Special Enrollment. You can get comprehensive coverage with government subsidies that reduce your premium by 50-90%.
Typical Cost:
$50-$300/mo
After tax credits
Enrollment Window:
60 Days
From job loss date
Coverage Starts:
1-30 Days
After enrollment
Pros:
- 50-90% cheaper than COBRA with subsidies
- Comprehensive coverage, all essential benefits
- Covers pre-existing conditions
- Multiple plan levels (Bronze/Silver/Gold)
Cons:
- Different network than employer plan
- Need to reconcile subsidies at tax time
COBRA (Keep Your Employer Plan)
Allows you to keep your exact employer health plan for up to 18 months. You pay 100% of the premium (what your employer used to pay) plus 2% admin fee.
Typical Cost:
$600-$1,500/mo
Full premium
Enrollment Window:
60 Days
To elect COBRA
Max Duration:
18 Months
Usually
Pros:
- Keep exact same plan and network
- No change in doctors or coverage
- Deductible and out-of-pocket carry over
Cons:
- Very expensive—no employer subsidy
- No premium tax credits available
- Temporary solution (18-36 months max)
Join Your Spouse's Employer Plan
Losing coverage qualifies you for a Special Enrollment Period on your spouse's employer plan. Check their HR department for the enrollment window (usually 30-60 days).
Pros:
- Employer subsidizes part of premium
- Usually less expensive than COBRA
- No income limits or tax filing needed
Cons:
- May be more expensive than ACA with tax credits
- Coverage quality depends on spouse's employer
- Lose it if spouse leaves job
We Compare All Your Options
During your free consultation, we calculate the actual cost for each option based on YOUR situation—income, family size, medications, and doctors. We show you side-by-side exactly what you'll pay.
Your 60-Day Action Timeline
What to do and when after losing your job
Last Day of Employer Coverage
Your 60-day Special Enrollment Period starts TODAY. Mark your calendar.
Contact Us & Review Options
Don't wait! The sooner you enroll, the sooner your coverage starts.
Choose Plan & Enroll
Select the plan that fits your budget and needs. We handle all enrollment paperwork.
Last Chance Window
You can still enroll, but time is running out. Don't procrastinate!
Special Enrollment Deadline
Your window closes. After this, you cannot get ACA coverage until Open Enrollment.
Don't Miss Your Window!
The 60-day Special Enrollment Period is a one-time opportunity. After it closes, you're uninsured until the next Open Enrollment (November 1-January 15). Contact us immediately to avoid missing your deadline.
What You'll Really Pay with Subsidies
Most people are shocked by how affordable ACA plans are with tax credits
Single Person
$40,000 income
COBRA:
$650/mo
ACA Silver Plan:
$85/mo
Saves $6,780/year
(87% savings)
Couple
$60,000 income
COBRA:
$1,200/mo
ACA Silver Plan:
$220/mo
Saves $11,760/year
(82% savings)
Family of 4
$75,000 income
COBRA:
$1,600/mo
ACA Silver Plan:
$380/mo
Saves $14,640/year
(76% savings)
Your Exact Cost Depends On:
Age, ZIP code, household income, family size, and plan level (Bronze/Silver/Gold). We calculate YOUR specific cost during a free consultation.
What You'll Need to Enroll
Required Information
- Last day of employer coverage
This triggers your Special Enrollment
- Social Security numbers
For all household members
- 2025 income estimate
We help you calculate this
- Household size
Number of people on your tax return
Helpful (But Not Required)
- List of current medications
To find plans with lowest drug costs
- Preferred doctors
We'll check which plans include them
- Recent medical bills
Helps estimate annual costs
- COBRA quote (if received)
For side-by-side comparison
Don't Have Everything? That's OK!
Call us anyway. We can start the process with basic information and fill in details later. The important thing is not to miss your 60-day window.
Don't Let Your 60-Day Window Close
Get affordable health coverage today—most people pay $50-$300/month with tax credits
Free consultation, same-day enrollment. We've helped hundreds of Texans get affordable coverage after job loss.
