Dates from your documents
What the tool estimates
COBRA: at least 60 days from the later of the coverage-loss date or the date the election notice was provided.
Marketplace: the loss-of-coverage SEP is generally available for 60 days before and 60 days after the coverage loss.
Your notice and official determinations control. Do not rely on this tool to delay action. Weekends, plan procedures, proof requirements, payment deadlines, other qualifying events and individual facts can matter. Confirm directly with the plan administrator and Marketplace.
Before ending any coverage
- Confirm the new plan was approved and is active.
- Confirm the exact effective date and first-premium deadline.
- Verify doctors, facilities, prescriptions and pharmacies under the exact plan.
- Keep the election notice, envelopes, screenshots, confirmation numbers and payment records.
Need help connecting the dates to the coverage decision?
A 15-minute conversation can help you organize the COBRA notice, Marketplace timing, premium, deductible progress, doctors and prescriptions. Official notices and agency determinations still control.
No separate fee for the consultation described here and no obligation to enroll. Review Caden’s broker methodology, licenses, and compensation disclosure.
Primary sources: U.S. Department of Labor COBRA FAQs and HealthCare.gov Special Enrollment Period guidance. General education only; not legal, tax or eligibility advice.