COBRA & Health Insurance After Job Loss

Editorial standard: material eligibility and deadline claims link to official sources. Each retained guide shows its review date, scope disclosure, author, and sources. Plan notices and agency decisions always control. About Caden Douglas.

COBRA RIGHTS

Eligibility, notices, and duration

Can You Get COBRA If You Quit?

When resignation can be a qualifying event, plus election and waiver rules.

COBRA Qualifying Events

Who may qualify, who must give notice, and the general federal deadlines.

How Long Does COBRA Last?

Common 18-, 29-, and 36-month periods, extensions, and early termination.

Missed the COBRA Deadline?

How to verify the notice and dates and investigate other coverage paths.

COVERAGE COMPARISONS

Marketplace enrollment and alternatives

Start with the employer coverage transition guide when you need one sequence for dates, household needs, plan verification, total cost, and activation steps.

Health Insurance After a Layoff

Separate deadlines and a checklist for COBRA, Marketplace, Medicaid or CHIP, and employer coverage.

COBRA vs. Marketplace

Compare continuity, cost sharing, annual income, networks, prescriptions, and timing.

COBRA Alternatives

Review ACA plans, Medicaid or CHIP, employer coverage, and limited non-ACA products.

FLORIDA CONTINUATION

Florida-specific starting point

Florida COBRA and Continuation Coverage

How federal COBRA and Florida Statute §627.6692 differ, with regulator links.

TOOLS & WORKSHEETS

Calculate and verify before deciding

How to Read a COBRA Election Notice

Use a factual anonymized example, post-subsidy comparison, calculator, and printable checklist.

How Much Does COBRA Cost?

Learn the 102% rule and where to find the actual group premium.

COBRA Cost Calculator

Estimate from employer and employee contribution amounts, with methodology and limitations.

Doctor & Prescription Checklist

Verify the exact network, provider location, formulary, drug restrictions, pharmacy, and effective date.

COBRA & Marketplace Deadline Organizer

Put the separate coverage-loss, election-notice, COBRA and Marketplace dates on one screen.

Employer Coverage Handoff Kit

A neutral printable checklist for HR teams, payroll professionals, and referral partners.

Coverage Decision Examples

Hypothetical, compliance-safe examples showing what a complete comparison should examine.

Want help organizing the decision?

A 15-minute phone call can help review available options and the questions to verify with plans, issuers, providers, and agencies.

Book a 15-minute call

Disclosure: General insurance education only; not legal, tax, or medical advice, an eligibility decision, or a binding quote. Caden Douglas is not affiliated with or endorsed by a government agency. He may receive insurer compensation if enrollment occurs through him. Appointments and products vary, and he does not represent every plan. Report a correction through douglasinsurancegrp.com. Privacy · Terms.