Qualifying life event: Job changes

Your job is a big part of your life. When you suddenly lose your job, it can be a big change in many ways. You’ll have a lot of details to work through – and how you get your health insurance is one of them.

Losing a job – either voluntary or involuntary – is a life event that qualifies you for a special enrollment period for health insurance coverage. Here are the job changes that qualify:

  • You were laid off or dismissed. Losing a job can be very difficult when it’s not your choice. While you’re taking a look at next steps, you can choose a plan that will give you the coverage you need.
  • You resigned, quit or retired. Even if it was your choice to make a change, it’s still a big change. While you’re looking for a new job or while you’re waiting for Medicare coverage to start, you can choose a plan that works for you.

Explore your options

  • Take a look at COBRA When your employer health plan ends, COBRA can be an option to consider. It can be expensive because you’ll have to pay the full premium, but it can be a helpful way to get you through.
  • Make sure you’re covered Waiting for your next job or going without coverage for a while can cause big problems if an unexpected injury or illness happens. There are lots of health plans that can meet your needs and keep you covered, so you don’t have to worry.

What to do next

When you start looking at health plans, it can seem confusing. Learn more about how to choose the right plan for you.

If you’re looking for ACA plans from the Health Insurance Marketplace or have questions, call 800-980-5213.

Short term health insurance


No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Short Term Medical plans are medically underwritten and do not provide coverage for preexisting conditions or meet the mandated coverage necessary to avoid tax penalty under the Affordable Care Act (ACA). Expiration or termination of a Short Term Medical℠ plan does not trigger an ACA Special Enrollment opportunity.

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