What to look at after a loss of job-based coverage or a change in coverage: COBR...

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{ "example": { "credit": "Physician-reviewed, FindMyDirectDoctor Foundation", "data_as_of": "2026-10-02", "disclaimer": "General information quoted from published guides. Not medical, legal or tax advice. In an emergency call 911.", "facts": [ { "quote": "You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan.", "section": "quick answer", "source_url": null } ], "guide": { "last_reviewed": "2026-10-10", "slug": "lost-job-lost-insurance", "title": "Lost your job and your health insurance? What to do this week", "url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/" }, "guide_url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "key_items": [ { "days": 60, "guide_slug": "lost-job-lost-insurance", "guide_url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "label": "marketplace_special_enrollment_window", "quote": "You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan.", "source_url": null }, { "days": 60, "guide_slug": "lost-job-lost-insurance", "guide_url": "https://findmydirectdoctor.org/guides/lost-job-lost-insurance/", "label": "elect_cobra_and_first_payment", "quote": "You usually have 60 days to choose COBRA after you get your notice, and then 45 days to make your first payment.", "source_url": null } ], "last_reviewed": "2026-10-10", "lists": [ { "items": [ "You usually have 60 days to choose COBRA after you get your notice, and then 45 days to make your first payment.", "You usually pay the full premium, which is the whole monthly price. That includes the part your employer used to pay, plus up to 2 percent more, so it is often a big jump in cost." ], "section": "Step 4. Learn how COBRA works" } ], "query": { "matched_by": "alias", "matched_slug": "lost-job-lost-insurance", "topic": "job-loss" }, "quick_answer": "You usually have 60 days after losing job-based coverage to sign up for a Marketplace plan. You can apply for Medicaid any time of year. COBRA lets you keep your old plan, but you usually pay the full cost. In the meantime, keep taking your medicines and find a doctor you can afford.", "related": [ { "slug": "high-deductible", "url": "https://findmydirectdoctor.org/guides/high-deductible/" } ], "source": "FindMyDirectDoctor Foundation guides (findmydirectdoctor.org/guides)", "sources": [ { "publisher": "healthcare.gov", "url": "https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/" } ], "topic": "job-loss" }, "type": "json" }