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How Do I Get Health Insurance After my COBRA Coverage Ends?

Employer provided health coverage

Are you wondering how to get health insurance after your COBRA coverage ends? Don’t let yourself become overwhelmed. When your COBRA coverage expires, you may qualify for a Special Enrollment Period during which you can sign up for Marketplace health insurance.

COBRA coverage expires? You may qualify for the Special Enrollment Period

Do you meet the requirements for a Special Enrollment Period (SEP)? Then, you have been granted 60 days from the time your coverage ends to enroll in a Marketplace health plan. It’s important to remember that the Marketplace only sells those programs that comply with ACA guidelines and offers consumer protections and cost-saving options. Read our step-by-step guide to Marketplace health coverage enrollment by clicking here.

You can contact our service agents at (855) 913-1570 to learn how to shop for Marketplace plans during your SEP and avoid gaps in your health coverage. Alternatively, you can quickly search for health plans, compare premiums, and find the type of subsidy you’re eligible for by visiting InsuranceShopping.com. Put in your postal code here and see all the available programs in your state.  

What if you don’t meet the SEP eligibility requirements?

It’s critical to understand that you won’t qualify for a SEP if you stop paying your COBRA premiums. Nevertheless, you can sign up for a standard plan during the Open Enrollment Period (November 1 to December 15). Use our online search tools and check your eligibility for Medicaid and Medicare insurance.

COBRA is an abbreviation for the Consolidated Omnibus Budget Reconciliation Act. Simply put, COBRA coverage is temporary coverage provided to employees by their employers and workplace. Also, COBRA coverage is quite expensive and is preferred by employees who want to keep their previous insurance plans. If you choose COBRA coverage, you need to pay 100% of the insurance premiums (including the amount paid by your employer) and a small administrative fee. This guide will teach you everything you need to know about COBRA health insurance.

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