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COBRA Insurance Logo

COBRA is a federal law.
Not an insurance company.

COBRA Insurance Logo

COBRA is a federal law.
Not an insurance company.

How To Get Health Insurance Between Jobs

It is crucial to have a health insurance policy in place when you are between jobs to avoid the financial burden of expensive healthcare costs that may arise from unexpected injuries or illnesses. You have three options to consider when your work-provided health insurance ends:

  • Continue on your most recent employer-provided plan (also known as COBRA Insurance)
  • Find new Affordable Care Act coverage through the marketplace
  • Try a short-term medical plan to bridge a gap before your next work insurance begins.

View COBRA Alternative Plans

Alternatives To COBRA

Protect yourself and your family from unexpected healthcare costs while in-between major medical plans. With a short-term medical plan, you can ensure you have coverage for new illnesses and emergencies.

These flexible plans are available in many states and can easily fill the gap between insurance coverage periods.

Gap Coverage – Enroll Online – No Paperwork

Accident Only Plans Start At $44/mo
(includes free Telehealth with prescribing doctors)

Choose 1 to 12 Months
Cancel Anytime

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Monday – Thursday, 6 a.m. – 6 p.m., EST.
Friday, 6 a.m. – 4 p.m., EST.

Employer COBRA

COBRA insurance allows you to continue treatment for pre-existing conditions. This insurance option includes your prescription drug benefit, but your out-of-pocket deductibles will still apply.

Terminated employees may use COBRA for up to 18 months.

Continue Workplace Insurance

Approximately $500 -800 / per person
(continuation of the same plan you had) 

Getting COBRA Between Jobs

Employers have 45 days to send you a packet of information about restarting your workplace insurance. If you haven’t received it yet, contact the HR department from whom the insurance was through and ask for your COBRA paperwork.

When you elect COBRA, you pay the entire premium, including the portion the employer was paying. This may cost $500 – $800/month per individual.

Temporary Health Insurance

Instead of continuing on your former employer’s work insurance, using a temporary health plan is an affordable way to cover an insurance gap between jobs. These plans do not have coverage for pre-existing conditions.

Short-Term Gap Health Insurance

The following health plans are available for one month to one year. Coverage may begin as early as tomorrow. You may cancel at any time.

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Helping Over 4+ Million Workers Find Affordable Medical Insurance (a private insurance company) helps workers and families with their temporary insurance options while between major medical plans. If you have questions about choosing COBRA, please contact our Licenced Insurance Agents.

Types of Term Health Coverage

These Plans May Save You Up To 70% Compared To COBRA

  • Short-Term Medical Insurance – Provides coverage for new illnesses or unexpected accidents. Great for those in good health.
  • Accident Only Coverage – An affordable option to cover new injuries or accidents that arise. Pre-existing conditions do not exclude you from enrolling in Accident Only medical insurance.

To acquire one of these plans, you’ll need to register online to view your available benefits.

Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.

Other Medical Coverage

Don’t miss out on other essential health benefits! While major medical and short-term plans may not cover everything, you can find private dental and vision insurance to complement your existing coverage. Check out these additional plans that are available to you and your family

Dental Insurance

Plans start at less that $1/day.
Based state availability

The Core Dental Insurance plans can provide coverage for preventive, basic and major dental expenses with the dentist of your choice. Also, some plans include additional benefits like vision, hearing, orthodontia, teeth whitening, Dental Rewards® and more.

Core Dental Insurance is a private Ameritas Dental Plan.

Vision Plans

eyemed vision lnsurance

Plans start at $5/month.
Based state availability

EyeMed is the leader when it comes to vision insurance.  EyeMed Advantage Network is made up of over 44,000 independent and retail in-network provider access points including 1000’s of national retail providers like LensCrafters, Pearle Vision, Sears Optical and Target Optical.

EyeMed Vision Insurance is smart to have.


mdlive telehealth logo
MDLive is a Telehealth subscription that provides 24 hours a day, 365 days a year access to a network of U.S. Board Certified physicians who can diagnose, recommend treatment, prescribe or refill prescriptions for routine conditions.

Call 877-262-7241 and get 2 months free or sign up here.

How To Acquire An Employer COBRA Plan

When your employer-based health insurance stops, the COBRA law compels companies with 20 or more workers to allow you to continue on the health plan by paying the full premium. Expect the employer or their third-party administrator within 45 days of the insurance ending to offer you to continue on your former work plan. You will have a 60-day open enrollment period if you wish to continue on that plan.

Qualifying Events For Health Insurance Change

  • Getting married
  • Having, adopting, or placement of a child
  • Medical Child Support Orders (MCSO) issued by state or federal court
  • Permanently moving to a new area that offers different health plan options
  • Losing other health coverage due to a job loss, divorce, loss of eligibility for Medicaid or CHIP
  • Expiration of COBRA coverage or a health plan being de-certified.
  • Those covered in an Insurance Marketplace (state or federal exchange) and having a change in income or household status that affects eligibility for tax credits or cost-sharing reductions

Contact Us


We can help you find an affordable health insurance plan before your next major medical health coverage begins.

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Begin a chat with a COBRA Advisor and learn how to remain covered.

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Short Term Health Insurance Options

Remain Insured

Accident Only plans start at $44*
with coverage starting tomorrow!

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View Plans

Temporary health insurance is a popular, affordable solution to cover gaps in coverage while you are between Major Medical plans.

*Eligibility for short term medical insurance is based on age and state availability.