When can I enroll in health insurance?

You can enroll during the annual Open Enrollment Period (November 1 - January 15) or during a Special Enrollment Period if you experience a qualifying life event such as losing other coverage, moving to a new state, getting married, or having a baby.

What subsidies are available for health insurance?

Two main subsidies are available: Premium Tax Credits (which lower monthly premiums based on income) and Cost Sharing Reductions (which lower out-of-pocket costs for Silver plans). Eligibility depends on household income and family size.

How do I find out what plans are available in my state?

Plans vary by state, county, and insurance carrier network. A licensed insurance agent can review options specific to your location and help you compare coverage and costs.

Lost your job? Your coverage doesn’t have to end

Losing employer coverage is a qualifying life event: it opens a 60-day window to enroll in a Marketplace plan, often with a subsidy that makes it cheaper than COBRA.

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The 60-day window starts when coverage ends

You can enroll up to 60 days before and 60 days after your job-based plan ends. Miss it, and you may wait until Open Enrollment in November.

Your new income counts, not your old one

Subsidies are based on your expected income for the year. Lower income after a job loss often means a substantially lower premium.

COBRA is not your only option

COBRA keeps your old plan but usually at full cost plus 2%. A Marketplace plan with a subsidy is frequently the cheaper path — an agent can compare both in one call.

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Common questions

Does quitting count, or only layoffs?

Both. Any loss of employer coverage — layoff, quitting, or reduced hours that end your eligibility — is a qualifying event. Being fired for cause also counts for Marketplace purposes.

What if I already elected COBRA?

You can still switch to a Marketplace plan during your 60-day Special Enrollment Period, or during Open Enrollment. Dropping COBRA outside those windows does not itself create a new one.

Two minutes tells you where you stand

Answer a few questions and a licensed agent confirms your enrollment window and real plan prices.

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