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Lost Your Health Insurance?
Take a breath. We’ve got you.
You do not have to figure out everything today. Start with three simple moves, then let a licensed advocate help you sort through the choices.
Do these first
Today. This Week. Before You Choose.
Find the last day
Save the letter or email and write down the exact date your old coverage ends.
Check your paths
Your choices and deadlines depend on how the coverage ended. Do not wait until the last minute.
Talk it through
A licensed HealthPlanNinja advocate can explain the choices in plain English—always free.
Start where you are
Which Situation Sounds Like Yours?
Job coverage ended
You may have Marketplace and COBRA choices. Marketplace enrollment after losing job coverage is generally time-limited, and COBRA usually means paying the full premium yourself.
See the job-loss guide →Medicaid ended
Keep the state notice. It shows when coverage ends and may help prove that you qualify for a Special Enrollment Period.
See the Medicaid-loss guide →No coverage right now
Self-employed, working for tips, between jobs, or simply uninsured? There may still be a path. Start with the date you last had coverage and your expected household income.
See the no-benefits guide →Your five-minute prep
Have These Four Things Handy
- The date your old coverage ends—or ended
- The notice or email you received
- Your household size
- Your best estimate of household income for the year
Still unsure?
No Pressure. No Drama. Just Help.
HealthPlanNinja works for you, and our licensed advocates’ services are always free.
Official Sources
Deadlines and eligibility can change. These official pages provide the current rules:
- HealthCare.gov: options after losing job-based coverage
- HealthCare.gov: Special Enrollment Periods
- U.S. Department of Labor: COBRA continuation coverage
Reviewed by Vincent Gore, licensed health insurance agent · Updated September 11, 2026
This is general educational information, not a quote, coverage promise, or description of an actual plan. Eligibility, prices, benefits, and deadlines vary.