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Unemployed people

COBRA coverage when you’re unemployed

When you lose job-based coverage, your former employer may offer you COBRA continuation coverage. This may allow you to temporarily keep health coverage until you get other health coverage, whether through a new job or another source.
Learn more about COBRA coverage from the U.S. Department of Labor.

What if I don’t enroll in COBRA?

You don’t have to enroll in COBRA. You can compare the cost of COBRA with plans available through the Marketplace before deciding on health insurance. Explore coverage options through the Marketplace.
By submitting one application, you'll discover if you qualify for a Marketplace plan with savings,
, or the
.

Can I switch from COBRA to the Marketplace?

It depends on when and why you want to make the switch:
  • From January 16-October 31: You can switch from COBRA to a Marketplace plan if:
    • Your COBRA coverage is running out.
    • You have to pay the full cost of COBRA coverage because your former employer stops contributing, or you lose a government subsidy (like COBRA premium assistance).
    • It’s still within 60 days of when you lost your job-based coverage.
    • If you choose to end COBRA coverage early, you’ll have to wait until next Open Enrollment to get Marketplace coverage (unless you experience another
      ).
  • From November 1-January 15: During Open Enrollment you can enroll in a Marketplace plan, regardless of why you’re ending COBRA coverage.
Notice:
Always check your coverage start date before you end COBRA 
If you’re eligible for Medicaid or CHIP, you can enroll at any time. But wait until you get a final decision about your Medicaid/CHIP eligibility before ending your COBRA coverage.
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