Health insurance
Health coverage after a life change
What to do about health insurance when you lose a job, age off a parent’s plan, marry, have a baby, move or retire.
Losing or changing a job
58- Business Closed
- Just Lost Your JobJust Lost Your Job? Here Are Your Health Insurance Options
- Just Lost Your JobJust Lost Your Job in 2026? Here Are Your Health Insurance Options by State
- Just Lost Your Job and COBRA Is Too Expensive
- Just Lost Your Job: COBRA vs Medicaid When Income Drops
- Just Quit Your Job
- Switching Jobs
Lost your job, by state
51- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
Losing other coverage
81- ACA Plan Discontinued or Canceled
- Aged Out of CHIP
- COBRA Expiring Soon
- DACA Recipient Losing Marketplace Coverage
- FEMA Major Disaster Declaration in Your State
- Going Part-Time (Losing Employer Coverage)
- Got a Medicaid Renewal Notice
- Just Got a Green Card
- Kid Aging Off CHIP
- Leaving AmeriCorps or Peace Corps
- Leaving Military Service
- Leaving Your Employer Plan at 67 or 70 (Medicare SEP)
- Lost Creditable Drug Coverage at 65
- Lost Florida Medicaid at Renewal
- Lost Group Coverage at 65 (Medigap Guaranteed Issue)
- Lost Medi-Cal Coverage
- Lost Medicaid at Redetermination
- Lost NY Medicaid or Essential Plan in 2026
- Lost Texas Medicaid in 2026 Renewal
- Medicaid Denied
- Medicaid Redetermination 2026 by State
- Medicare Special Enrollment Period
- Missed Open Enrollment
- My Employer Stopped Offering Health Insurance
- Qualifying Life Event 2026
- Released From Incarceration
- Special Enrollment Period
- Spouse Lost Employer Coverage: Adding Them to Your Plan
- Surviving a Natural Disaster
- TRICARE Coverage Ending
Lost your Medicaid, by state
51- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
Age milestones
42- Aging Off ACA Marketplace at 65
- Aging Out of Extended Foster Care
- Enrolling in Medicare for the First Time
- Graduated College
- Just Retired
- Medicare General Enrollment Period (Late Enrollees)
- Medicare Initial Enrollment Period
- Medicare With a Disability Under 65
- Medicare: Where to Enroll
- Missed Medicare Initial Enrollment Period
- On COBRA After 65
- Retired Early (Before 65)
- Retiring (Enroll in Medicare Part B)
- Should I Apply for Medicare?
- Should I Enroll in Medicare?
- SSDI Approved (Medicare 24-Month Wait)
- Turning 21 in Foster Care
- Turning 21 or 23 on TRICARE
- Turning 26Turning 26? Here's How to Replace Your Parent's Health Insurance
- Turning 26Turning 26 in 2026? Here Is Your Step-by-Step Health Insurance Transition Guide
- Turning 26 by State
- Turning 26 in California
- Turning 26 in Connecticut
- Turning 26 in Florida
- Turning 26 in Florida: Age-30 Extension Option
- Turning 26 in Georgia
- Turning 26 in Illinois (Military Extension to Age 30)
- Turning 26 in Massachusetts (ConnectorCare Pickup)
- Turning 26 in New Jersey (Age-31 Extension)
- Turning 26 in New York
- Turning 26 in Ohio
- Turning 26 in Pennsylvania: Age-30 Extension Option
- Turning 26 in Texas (No Medicaid Expansion)
- Turning 64 (Pre-Medicare Year)
- Turning 65 (Medicare Eligibility)
- Turning 65 on ACA Marketplace
- Turning 65 on COBRA
- Turning 65 on Your Spouse's Employer Plan
- Turning 65 While Still Working
- Turning 65 With Large-Employer Coverage
- Veteran Turning 65 (VA Plus Medicare)
- Where to Apply for Medicare
Family changes
39- Adding a Domestic Partner to Your Health Insurance
- Adopting a Child
- Became Pregnant
- Becoming a Foster Parent
- Divorce and Your Ex's Employer Health Plan
- Divorce: Who Keeps Health Insurance
- Divorced Over 65 (Medicare and Spousal Benefits)
- Gaining U.S. Citizenship
- Gaining U.S. Citizenship or Lawful Status
- Getting Divorced
- Getting Married
- Got Divorced
- Having a Baby
- Just Got Married
- Just Married, Both Spouses Have Coverage
- Just Married: Adding a Spouse to Employer Health Insurance
- Parent Entering Long-Term Care
- Postpartum Medicaid and Newborn Coverage
- Pregnant and Need Coverage
- Spouse Died
- Surviving Domestic Abuse (Enrolling in Your Own Plan)
- Took In a Foster Child (Medicaid for Foster Youth)
- Widow or Widower Over 65
- Your Spouse Just Enrolled in Medicare
Moving
21- Moved to a New State
- Moved to Florida
- Moved to New York
- Moved to Pennsylvania
- Moved to Texas
- Moving Out of Your Medicare Advantage Plan Service Area
- Moving States While on Medicaid
- Moving to a New State
- Moving to Alabama
- Moving to Arkansas
- Moving to California
- Moving to Florida
- Moving to Georgia
- Moving to Kentucky
- Moving to Louisiana
- Moving to Mississippi
- Moving to North Carolina
- Moving to South Carolina
- Moving to Tennessee
- Moving to Virginia
- Moving to West Virginia
Income changes
14- Becoming a Caregiver
- Diagnosed With ALS (Immediate Medicare Eligibility)
- Entering a Nursing Home
- Going 1099 (W-2 to Self-Employed)
- Got a Big Raise or Promotion
- Household Income Change (ACA Subsidy Update)
- In the Coverage Gap (Under 100% FPL, Non-Expansion State)
- Income Exceeded 400% FPL
- Income Spiked Mid-Year
- IRMAA Life Event Appeal
- Lost Your ACA Subsidy
- Started a Business (Self-Employed)
- The January 2026 Federal Poverty Level Update
- Under 150% FPL (Low-Income Coverage)
Plan changes and enrollment windows
26- ACA Open Enrollment Deadline
- ACA Open Enrollment Period
- ACA Renewal Premium Shock
- Became Eligible for an Employer Health Plan
- COBRA Premiums Too Expensive
- Documents Needed for Special Enrollment
- Employer Offered an HRA, QSEHRA or ICHRA
- Entering Hospice (Medicare Hospice Benefit)
- ESRD / Kidney Failure (Medicare Under 65)
- Exceptional Circumstance SEP
- Got a Plan Renewal Letter
- Just Hired: Your Employer Health Insurance Offer
- Marketplace SEP 60-Day Window
- Medicare Advantage Plan Leaving Your County
- Medicare Annual Enrollment Period 2026
- Medicare Open Enrollment Period
- Plan Dropped Your Drug From Formulary
- Premium Went Up at Renewal
- SEP Denied: Appeal and Backup Coverage
- Short-Term Health Plan Ending
- Started a New Job: Employer Waiting Period
- Starting a New Job (Coverage Gap)
- Switching to a 5-Star Medicare Plan
- Tribal Membership SEP (American Indian / Alaska Native)
- When SEP Coverage Starts
- Your Doctor Left Your Network