Between Jobs
Health insurance between jobs — without paying for something you don't need.
Losing employer coverage is one of the qualifying life events that opens a Special Enrollment Period. We compare COBRA continuation, marketplace, private, and short-term options so you understand the trade-offs before the clock runs out.
Who this may suit
- Recently laid off or between employers.
- Waiting for new employer coverage to start.
- Freelancing temporarily after leaving a W-2 job.
- Anyone who doesn't want to overpay for COBRA out of default.
Important considerations
- COBRA lets you keep your employer plan but you pay the full premium (plus a small admin fee).
- Losing employer coverage typically triggers a 60-day Special Enrollment Period on the marketplace.
- Short-term plans are cheaper but limited — they're not ACA-compliant and don't cover pre-existing conditions in the same way.
- If you expect a new employer plan soon, timing matters — coverage gaps can cost you.
Common questions
Is COBRA usually the best option?+
Sometimes, especially if you're mid-treatment and want to keep the same network and deductible progress. Often, a marketplace or private plan is dramatically cheaper. We compare.
How long do I have to enroll?+
For COBRA, typically 60 days from your qualifying event. For marketplace SEP, also typically 60 days. Do not wait.
What if I only need coverage for a couple of months?+
Short-term plans can bridge a short gap, but they're not right for everyone. We'll walk through the risks so you can decide.
Plan availability, eligibility, pricing, benefits, provider networks, and underwriting requirements vary by state, carrier, and individual circumstances. Summit Health Advisors does not represent every carrier or every plan available in your area. Submitting information does not guarantee coverage, pricing, enrollment, or eligibility.