How To Get Health Insurance Between Jobs

Having health insurance coverage is important when you’re in between jobs. It helps you avoid the high costs of unexpected injuries or illnesses.

Once your workplace health insurance ends, you have three options to think about:

  • Continue on your most recent employer-provided plan (also known as COBRA Insurance)
  • Find an Affordable Care Act plan in the Health Insurance Marketplace
  • Try a short-term medical plan to bridge a gap before your next work insurance begins

View COBRA Alternative Plans

Short-Term Health Plans

Temporary major medical coverage for new illnesses and emergencies during a gap between health plans.

Gap Coverage – Easy Online Enrollment

You can use any doctor or clinic
Choose Your Coverage Start Date!

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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 covers pre-existing conditions, including prescription drug benefits, retroactively.

Continue Workplace Insurance

Approx. $500 – 800/mo

Continuation of the same plan you had
Coverage is Retroactive

Getting COBRA Between Jobs

If you haven’t received the packet about restarting workplace insurance within 45 days, contact the HR department for COBRA paperwork. COBRA requires you to pay the full premium, which can range from $500 to $800 per month per individual, including the employer’s portion.

Temporary Health Plans

A short-term health insurance plan is designed for healthy individuals seeking affordable coverage during job and medical plan transitions. It covers unexpected illnesses and accidents.

The cost of these plans depends on your age and where you live.

Types Of Term 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.

Short-Term Medical Plan

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. logo

Helping Over 4+ Million Workers Find Affordable Short Term GAP Medical Insurance helps workers and families with their temporary insurance options while between major medical plans. If you have questions about choosing COBRA, please contact our Licensed Insurance Agents.

Short Term Medical Insurance

New Illnesses & Injury Coverage

Flex term short term medical insurance

The pricing for the plans starts at $85/ mo
Based on age and state availability

Flex Term Health Insurance covers unexpected injuries and new illnesses to protect you from costly medical bills.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

comprehensive accidental medical insurance logo
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

The last thing you want is to worry about paying bills when accidents happen. 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 a guaranteed acceptance Limited Indemnity Medical plan that covers your basic medical needs. This plan is a good option for people who do not have access to or cannot afford comprehensive health insurance.

This plan helps defray the cost of medical services.

Coverage begins as early as midnight tonight.

Other Medical Coverage

Don’t miss out on other essential health benefits. Sign up for 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

core dental insurance logo

Ameritas Private Dental Plans

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 leading vision insurance company in the United States. Its network of over 44,000 independent and retail in-network providers includes thousands of national retail providers like LensCrafters, Pearle Vision, Sears Optical, and Target Optical. This gives EyeMed members access to a wide range of vision care services at affordable prices.


telehealth logo

MDLive is a Telehealth service that offers round-the-clock access to a network of U.S. Board Certified doctors for diagnosis, treatment recommendations, and prescription refills for common health concerns.

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

Getting COBRA Between Jobs

When your job-based health insurance stops, the Consolidated Omnibus Budget Reconciliation Act (or COBRA) compels companies with 20 or more workers to allow you to continue on the health plan by paying the entire premium.

Your employer or their third-party administrator should offer you the option to continue your previous work plan within 45 days. You will have 60 days to enroll or waive your right to COBRA.

Qualifying For A Special Enrollment Period

  • 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 household income or status that affects eligibility for tax credits or cost-sharing reductions

COBRA Eligibility

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

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Short-Term Health Insurance Options During Job Transition

Remain Insured

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

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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.