How to Get Health Insurance After Losing Your Job

Losing a job can disrupt your health coverage faster than expected. If you’ve recently lost employment and are wondering how to get health insurance, you’re not alone. Millions face this challenge each year, but understanding your options and acting quickly can keep you covered without added stress.

Why Losing Your Job Means Losing Health Insurance

When you’re employed, your employer typically sponsors health benefits. Suddenly losing a job often means losing that coverage—especially if your employer’s plan has a short enrollment window. According to the Kaiser Family Foundation (2024), nearly 25% of Americans experience a gap in health insurance within six months of job loss. This leaves many vulnerable to medical costs and delayed care.

Immediate Steps to Secure Coverage

The key is to act fast and stay informed. Begin by checking if you qualify for COBRA benefits—this employer-sponsored insurance can extend for up to 18 months after termination. However, COBRA premiums are often 100% paid by you, which may be unaffordable for many. A better alternative is exploring Affordable Care Act (ACA) marketplace plans, which offer income-based subsidies. In 2025, premium tax credits remain available through fall 2024 for those meeting income thresholds, helping reduce monthly costs.

Top Options When COBRA Is Too Expensive

If COBRA isn’t feasible, turn to health insurance marketplaces. Use the HealthCare.gov or state-specific portals to compare plans by cost, coverage, and provider networks. Look for plans labeled