Losing your job is stressful enough. But finding out you’ve also lost your health insurance can feel overwhelming. The good news? You have options—and timing is everything.
At Thomas and Associates, we help individuals and families in Jacksonville, FL, navigate these transitions with confidence. Whether you’re between jobs, switching careers, or starting your own business, here’s what you need to know.
1. Don’t Panic—You May Qualify for Special Enrollment
If you’ve lost health insurance due to a job change, you may qualify for a Special Enrollment Period (SEP). This gives you 60 days to enroll in a new health plan outside of the usual open enrollment window.
This SEP applies whether:
- You were laid off
- You voluntarily left your job
- Your hours were reduced
- Your employer dropped health coverage
2. Know Your Options: COBRA vs. Private Plans
COBRA allows you to keep your former employer’s plan, but you pay the full cost—often much more than you expect.
Alternative options could include:
- Marketplace plans (may include subsidies if you qualify)
- Short-term health plans (temporary coverage while job hunting)
- Private individual plans (with local carriers, often more affordable)
As an independent agency, Thomas and Associates can help you compare all of these options—without the guesswork.
3. Avoid a Coverage Gap
Even a short gap in health coverage can put you at risk—not just financially, but legally. Unexpected injuries, prescriptions, or doctor visits can cost hundreds (or thousands) out-of-pocket.
Let us help you bridge the gap with the right coverage, so you can focus on what matters most: your next chapter.
4. Make a Plan for Your Next Role
If your new job doesn’t offer benefits—or there’s a waiting period—you’ll want to have a temporary or long-term solution in place. We can help you:
- Enroll in individual or family coverage
- Understand income-based subsidies
- Compare plans that travel with you from job to job
Need Help Right Now? We’re Just a Call Away.
At Thomas and Associates, we’ve helped thousands of individuals in Northeast, FL find peace of mind in uncertain times. If you’ve lost health insurance due to a job change, don’t wait.Get a free quote today or call us at 904-730-3900 today.