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Health insurance during unemployment?


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Healthcare decisions involve complex tradeoffs and variable costs. We'll share a personalized set of health insurance and other options to help you determine what works best for you. Some people prefer to stay with COBRA because they find their existing plan to be a good fit for their needs. Others seek an alternative which may better balance cost and still provide comprehensive coverage. As you navigate our tool, rest assured that your answers to these questions are not stored or used in any other way.

NOTE: The COVID-19 public health crisis triggered a federal state of emergency that impacts COBRA election timelines. COBRA deadlines are disregarded from March 1, 2020 until 60 days after the national emergency ends (official date yet to be determined).

When considering your health coverage options, you should examine the scope of the coverage (including benefit coverage and limitations), premiums, cost-sharing (including co-payments and deductibles), and any applicable waiting periods for coverage. You may also want to contact your current health care providers and the health plan(s) you're interested in to make sure that your providers are included in your new plan's network. For information on the coverage through a particular group health plan, you should review the plan's Summary Plan Description (SPD). Contact the plan administrator and request a copy if you don't have one. For more information on obtaining other health coverage, you can review "Retirement and Health Care Coverage... Questions and Answers for Dislocated Workers," available at https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/questions-and-answers-for-dislocated-workers.pdf.

This tool does not constitute insurance, legal, tax or financial advice. Always consult a professional when making decisions about your insurance so that you fully understand what type of coverage is available to you and you can best determine which option is best for you. Also, as stated above, rest assured that your answers to the questions in our tool are not stored or used in any way.