// Health coverage
Put every health coverage option on one timeline.
Coverage decisions are easier when the dates, total costs, provider access, and household needs are compared on the same timeline.
01
Start with the dates
Confirm the exact day employer coverage ends. Then record the COBRA election date from the official notice, any employer subsidy term in the separation agreement, and the start dates available through other plans.
COBRA continuation following job loss is usually available for up to 18 months under federal rules. Any employer paid subsidy is separate and governed by the separation agreement.
02
COBRA
COBRA can preserve the same plan and provider network. Compare the full premium after any subsidy, deductible progress, expected care, prescriptions, and how long the coverage may be needed.
The election window generally runs for at least 60 days from the later of coverage loss or the election notice. The notice controls the exact deadline.
03
Marketplace, partner, and new employer plans
Losing job based coverage can create a Marketplace Special Enrollment Period. Eligibility for premium tax credits depends on household information and expected annual income.
A partner plan or new employer plan may have its own special enrollment and waiting period rules. Ask each plan for written dates and costs.
04
Questions for the comparison
An insurance professional and tax professional can confirm plan eligibility, subsidy, and tax questions.
- When does current coverage end?
- What does the separation agreement say about any employer subsidy?
- What is the full premium and remaining deductible?
- Which doctors, treatments, and prescriptions must remain covered?
- When can a partner or new employer plan begin?
- What annual income will a Marketplace application use?
Primary sources