Lost your job-based coverage? Start here.
Organize dates, review special enrollment conditions and compare alternatives before choosing.
Start with the end date
Ask your employer when coverage ends and keep the notice. Losing qualifying coverage may allow a Marketplace special enrollment period; the date and reason must be confirmed.
Life changes have conditions
Marriage, a birth or certain moves may also open an opportunity. Not every change is enough: divorce without losing coverage does not qualify by itself. Check your specific event and any documents requested by the Marketplace.
Compare alternatives
If offered COBRA, review its cost and conditions alongside other options. Voluntarily ending COBRA early generally does not create a special enrollment period. Confirm eligibility and the effective date before considering the transition complete.
Bring three questions
When does my coverage end? Which event and deadline apply to me? Are my doctors and prescriptions included in the new plan? This guide concerns the Marketplace where applicable; local Puerto Rico options are reviewed separately.
Use the guide in your next conversation
Open the practical resourceUnderstand this coverageOfficial sources
Educational information. Availability and conditions depend on the product, residence and policy. Confirm your case with the appropriate insurer or platform.