Changing jobs often means switching health insurance, but understanding your options can help you avoid coverage gaps.  

When Does Your Current Coverage End?

Check with your HR department to confirm your coverage end date. Your coverage typically ends on your last workday or at the end of the month.  

What Are Your Options?

• New Employer Plan: Enroll in your new company's health plan if offered. Be aware of any waiting periods and enrollment deadlines.
• COBRA: Continue your current coverage temporarily, though you'll typically pay the full premium.
• Marketplace Plan: Losing job-based coverage qualifies you for a Special Enrollment Period. You may also be eligible for premium subsidies.
• Spouse's Plan: You may qualify to join your spouse's or partner's employer-sponsored plan.
• Medicaid: If your income decreases, you may qualify for Medicaid based on your state's eligibility requirements.

Avoiding Coverage Gaps

A lapse in health insurance can leave you vulnerable to unexpected medical bills. Before leaving your current job, create a plan to maintain coverage during the transition. Compare costs, benefits, provider networks, and prescription coverage to find the option that best meets your needs.  

Final Thoughts

Changing jobs doesn't have to mean losing access to health insurance. By reviewing your options and enrolling on time, you can maintain the coverage that's right for you and your family.