Health insurance between jobs — without COBRA sticker shock
Losing job-based coverage opens a Special Enrollment Period, so you have real options beyond COBRA. A licensed agent compares COBRA, a subsidized Marketplace plan, and short-term coverage on price and protection.
Losing coverage opens an SEP
COBRA is usually the expensive option
Lower income may mean bigger subsidies
Start with your ZIP code
Takes about 2 minutes · Your information stays private
We never sell or pass along your information. Your request is handled only by our in-house licensed agents.
We never sell or pass along your information. Your request is handled only by our in-house licensed agents.
How it works
Tell us about your household
60 seconds online, or skip the form and call. We only ask what's needed to price plans accurately.
Compare real prices
A licensed agent in your state pulls live rates — including any ACA subsidy you qualify for — and explains the tradeoffs in plain English.
Enroll when you're ready
Same-day enrollment is available on most plans. No pressure, and our help costs you nothing — carriers pay us.
What a licensed agent does for you here
Losing coverage opens an SEP
You generally have 60 days from losing job-based coverage to enroll in a Marketplace plan — no waiting for Open Enrollment.
COBRA is usually the expensive option
COBRA means paying the full group premium yourself, often several hundred dollars a month or more. A subsidized Marketplace plan frequently costs far less.
Lower income may mean bigger subsidies
If your income dropped, your premium tax credit may be much larger than you expect. We recalculate from your new reality.
Bridge coverage if needed
If a new job starts soon and its plan has a waiting period, short-term coverage can fill the gap where your state allows it.
Common questions
Prefer to talk it through?
Licensed agents answer in under 30 seconds. Mon–Fri 8am–8pm ET.
Call (855) 395-5001
