60-Day Enrollment Window After Job Loss

Don’t Pay $2,500/mo
for COBRA.

Q: How much does COBRA actually cost?

$700-$2,500/month typically. You pay the full premium your employer was subsidizing, plus a 2% admin fee.

Q: When does my 60-day enrollment window start?

From the date your employer coverage ends. You can enroll up to 60 days before the loss of coverage if you have advance notice.

Q: How fast can I get covered?

Coverage starts the 1st of the month after you enroll. Same-day bridge coverage available via short-term medical.

Q: Is FreedInsure really free?

Yes. 100% free, no fees, no upsells. Insurance carriers pay FreedInsure when you enroll. Your premium is identical whether you enroll through us or directly.

Q: What if I miss the 60-day window?

You would typically have to wait until the next Open Enrollment (Nov 1 to Jan 15) to enroll in ACA. Alternatives between: COBRA, year-round PPO, short-term medical, or Medicaid.

If you just lost your job, you have 60 days to switch to ACA coverage — most ex-employees pay $0–$300/month for the same comprehensive benefits. Free quote from a licensed broker in 60 seconds.

Save 60–90% vs typical COBRA premiums

Same comprehensive coverage — hospital, prescriptions, preventive care

Pre-existing conditions covered, no waiting period

Coverage starts 1st of next month — no gap

No SSN required · No obligation · Or call (844) 788-3733

See How Much You’d Save

Compare your COBRA cost vs your ACA subsidy in 60 seconds.

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The Math

COBRA vs Subsidized ACA

Job loss usually drops your income, which usually makes you eligible for a much bigger ACA subsidy. Most ex-employees pay a fraction of COBRA for equivalent coverage.

Typical COBRA

COBRA Continuation

$700–$2,500/month

You pay the full unsubsidized premium plus a 2% admin fee — everything your employer was paying, now on you.

Single: $700–$1,500/month avg
Family: $1,800–$2,500+/month
No subsidy — full price regardless of income
Stuck with old employer’s plan & network
Maximum 18 months coverage

Recommended

ACA Marketplace

$0–$300/month for most

Income-based premium tax credits drop your monthly cost dramatically — 93% of enrollees get subsidies averaging $550/mo.

~40% pay $0/month after subsidies
Same 10 essential health benefits
Pre-existing conditions covered, no waiting
Pick your own plan, carrier, and network
Renewable every year — no 18-month cap

Average ex-employee saves $8,400–$18,000/year

Compared to typical COBRA continuation for the same coverage tier.

You Have 60 Days. The Clock Already Started.

Job loss triggers a 60-day Special Enrollment Period for ACA coverage — counted from the date your employer plan ends. Miss the window and you’re stuck with COBRA or no coverage until November. Coverage starts the 1st of the month after enrollment, so don’t wait.

Lock In My ACA Rate →

Why People Switch

5 Reasons ACA Beats COBRA

Massive Savings

Your post-job-loss income makes you eligible for subsidies that typically cover 70–100% of the premium. COBRA gives you no break.

Same Real Coverage

ACA plans cover the same 10 essential health benefits as group plans — hospital, prescriptions, preventive care, maternity, mental health.

Doctor Choice

Many ACA networks include the same doctors your employer plan did. Your advisor verifies your physicians before you enroll.

Pre-Existing Covered

Every ACA plan covers pre-existing conditions on day one. No waiting period, no exclusions — same protection you had with employer coverage.

No 18-Month Cliff

COBRA expires at 18 months. ACA renews annually for as long as you need it — until you get new employer coverage or age into Medicare.

Free Broker Service

FreedInsure compares every carrier in your area, calculates your subsidy, and handles enrollment — at zero cost. Carriers pay us, not you.

Carriers We Compare

COBRA Alternative FAQs

How much does COBRA actually cost?

$700–$2,500/month typically. You pay the full premium your employer was subsidizing, plus a 2% admin fee. Most people are shocked when they get the COBRA election notice and see the real number for the first time.

When does my 60-day enrollment window start?

From the date your employer coverage ends (not the date you lost your job). If you have advance notice, you can enroll up to 60 days before the loss of coverage too, which prevents any gap.

Can I still see my doctors on an ACA plan?

Usually yes. Many ACA carriers use the same networks as major employer plans. Your FreedInsure advisor verifies your specific doctors are in-network before you enroll — no surprises.

What if I’m in the middle of treatment?

ACA plans cover pre-existing conditions and ongoing treatment from day one. If continuity with a specific specialist matters, your advisor finds an ACA plan with that doctor in-network. COBRA is only the right call if your specialist isn’t in any ACA network.

How fast can I get covered?

Coverage starts the 1st of the month after you enroll. Enroll today, coverage starts the 1st of next month. If you need same-day coverage as a bridge, ask your advisor about short-term medical options.

Will I qualify for subsidies?

Almost certainly. Job loss usually drops your projected income enough to unlock significant premium tax credits. Even if you had a six-figure salary, your new projected income (post-job-loss) is what counts. 93% of ACA enrollees receive subsidies — average $550/month.

Is FreedInsure really free?

Yes — 100% free, no fees, no upsells. Insurance carriers pay FreedInsure when you enroll. Your premium is identical whether you enroll through us, through Healthcare.gov directly, or through the carrier. The broker service costs you nothing.

What if I miss the 60-day window?

You’d typically have to wait until the next Open Enrollment (Nov 1–Jan 15) to enroll in ACA. Options in between: stay on COBRA, year-round PPO plans, short-term medical, or Medicaid if income-eligible. Don’t miss the window if you can help it.

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What Our Members Say

Stop Overpaying for COBRA.

60 seconds to see your subsidy. Free advisor call. No SSN required. Most ex-employees save $8K–$18K/year switching from COBRA to subsidized ACA.

See My Savings →

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Don’t Pay $2,500/mofor COBRA.