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Lost Your Employer Coverage? Here Are Your Real Options
Leaving a job — by choice or not — is one of the most common reasons families call us. You have more roads than the COBRA packet suggests.
Employer coverage is the only health insurance most people have ever known: it appears in a benefits packet, the company quietly pays most of the premium, and it vanishes when the job does. When that safety net drops away, you're suddenly shopping in a market you've never seen with a 60-day COBRA clock ticking.
Here's the reassuring part: losing employer coverage is a qualifying life event, which opens the ACA marketplace to you — and private underwritten PPO plans enroll year-round regardless. You're not out of options; you're just out of the one option that was picked for you.
| What matters | Typical Employer Group Plan | Private PPO (underwritten) |
|---|---|---|
| Who chooses the plan | Your employer's HR department | You, with a licensed advisor walking you through it |
| Who pays | Employer typically covered most of the premium — invisibly | You pay directly, so pricing and value are finally transparent |
| Portability | Ends when the job ends | Stays with you across jobs, ventures, and state lines |
| Network | Whatever the group contract negotiated | Nationwide PPO networks you select deliberately |
| Timing | Gone at termination or end of month | Enroll any month; coverage can start quickly after approval |
| Health questions | None on group plans | Medical underwriting applies; not everyone is approved |
The honest verdict
Treat the job change as a chance to choose coverage on purpose for the first time. Compare COBRA, the marketplace (with any subsidy you now qualify for), and private PPO options side by side before the election window closes.
A Liberty Health advisor will lay all three roads out in one conversation — no fee, no pressure, and no hard feelings if COBRA or the marketplace wins.
See your own numbers side by side
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Ready to find the right health insurance for you?
Ten minutes on the phone with a licensed Liberty Health advisor and you'll know what every option really costs — even if the honest answer is that the marketplace suits you better.
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