How long do I have to enroll in new coverage after losing job-based insurance?

You have 60 days from the loss of your job-based coverage to enroll in a new health insurance plan through Special Enrollment Period (SEP). This window allows you to get coverage outside the standard Open Enrollment Period.

What if I can't afford new health insurance after losing my job?

Many individuals qualify for premium tax credits through the ACA Marketplace, which can make coverage very affordable - sometimes as low as $10-25 per month. Aura Insure's licensed agents can help determine your eligibility for financial assistance and find plans within your budget.

What's the difference between COBRA and ACA Marketplace coverage?

COBRA allows you to continue your employer's health plan but typically at a higher cost since you pay the full premium. ACA Marketplace plans, available through Aura Insure, often provide more affordable options with potential premium tax credits and similar coverage benefits.

Is there a cost to work with Aura Insure when finding new coverage?

No, Aura Insure's services are completely free with no obligations or fees. Our licensed agents help you find and compare plans at no cost, and our support continues after enrollment.

When will my new health insurance coverage begin?

Your new coverage can begin as soon as the first day of the month after you lose your job-based insurance, provided you enroll through your Special Enrollment Period. Aura Insure can help you avoid any gaps in coverage.

What documents do I need to enroll in new coverage?

You'll need proof of your loss of coverage, income documentation, and identification. Aura Insure's agents will guide you through the required documentation process and help you complete your enrollment accurately.

Are pre-existing conditions covered in new health insurance plans?

Yes, all ACA-compliant health insurance plans available through Aura Insure cover pre-existing conditions. You cannot be denied coverage or charged more based on your health history.

Lost Your Job-Based Health Insurance? Understanding Your Coverage Options

Q: Can I keep my current doctors after switching from job-based coverage?

Yes, Aura Insure's licensed agents will help you find plans that include your preferred healthcare providers in their networks. We can check provider networks before you enroll to ensure continuity of care.

Aura Insure

Feb 282 min read

Professional woman reviewing health insurance options on laptop with documents nearby, representing transition from job-based coverage to new insurance plans — Finding the right health insurance after losing job-based coverage doesn't have to be overwhelming. Aura Insure's licensed agents are here to help you explore your options.

Losing your job is challenging enough without worrying about health insurance. We want you to know that you have options, and we're here to help you navigate them.

Important: You have 60 days after losing your job-based coverage to enroll in a new health plan. This qualifies as a Special Enrollment Period, meaning you don't have to wait for Open Enrollment to get covered.

Your Main Coverage Options:

1. ACA Marketplace Plans

• Often the most affordable option

• Many qualify for subsidies that can lower monthly premiums to $10-25

• Coverage can start as soon as the first day of the next month

• All plans cover essential health benefits, including preventive care

2. COBRA Coverage

• Continues your previous employer's coverage

• Available for up to 18 months

• Usually more expensive as you pay the full premium

• No coverage gaps, but must elect within 60 days

3. Spouse's Health Plan

• If your spouse has employer coverage, losing your job-based insurance qualifies you to join their plan

• Must enroll within 30 days of losing coverage

Did you know? 4 out of 5 people qualify for financial assistance with their health insurance premiums through the Marketplace. Many of our clients find plans with monthly premiums under $10!

Why Choose Aura Insure for Your Health Coverage Needs?

Free consultation with licensed insurance agents
Access to top carriers and affordable plans
Help finding plans that cover your current doctors
Assistance with subsidy applications
No fees or obligations

How to Get Started with Aura Insure

Contact our licensed agents at 855-723-4727 or visit us online 24/7 at www.aura-insure.com to find your health plan
Review available plans in your area
Compare costs and coverage options
Enroll in your chosen plan before your SEP deadline

Frequently Asked Questions

Q: How long do I have to enroll in new coverage?

A: You have 60 days from the loss of your job-based coverage to enroll in a new plan through Special Enrollment.

Q: What if I can't afford new coverage?

A: Many individuals qualify for substantial premium tax credits through the ACA Marketplace, making coverage very affordable. Aura Insure can help determine your eligibility for financial assistance.

Q: Will my new plan cover my current doctors?

A: Our agents will help you find plans that include your preferred healthcare providers in their networks.

Take Action Now

Don't risk going without health insurance coverage. Contact Aura Insure today at 855-723-4727 or visit our website to explore your options. Our licensed agents are ready to help you find affordable health insurance that meets your needs.

Ready to explore your health insurance options?

Get your Free Quote today!