Health coverage decisions become easier to compare when every date appears on the same timeline. Start with the current coverage. Then add each available path.
Confirm when current coverage ends
Do not assume coverage ends on the final workday. Review the employer notice and plan information. Confirm the date with the plan administrator if anything is unclear.
List every available option
Possible paths may include continuation coverage, a spouse or partner plan, a new employer plan, or an individual marketplace plan. Availability and enrollment rules depend on the plan and household.
Put these on one page
- Enrollment deadline
- Coverage start date
- Monthly premium
- Deductible and out of pocket limits
- Provider network
- Prescription coverage
- Known care already scheduled
Compare more than the premium
A lower monthly premium does not show the full cost of care. Compare the plan design, network, expected care, prescriptions, and how long you may need the coverage.
Confirm current rules and enrollment dates with the plan or marketplace before making an election.