Losing job-based coverage can create a time-sensitive decision. Starting early gives you more room to understand possible paths without rushing.

Confirm the exact end date

Ask the employer or benefits administrator when active coverage ends and when any continuation option would begin. Keep written confirmation when possible.

Gather household information

Have dates of birth, ZIP code, household size, estimated income, current doctors, and important prescriptions available for a more focused conversation.

Compare possible paths

Depending on the situation, possible paths may include continuation coverage, a spouse’s employer plan, Marketplace coverage, or other private options. Eligibility and availability vary.

Avoid a coverage gap

Enrollment windows and effective dates do not always align automatically. Review timing carefully before canceling or declining any existing option.

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General educational information only. Availability and eligibility vary. Review official plan documents and consult appropriate professionals for advice specific to your circumstances.