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Health insurance when you quit or go freelance

Confirm when job-based coverage actually ends, then map the loss-of-coverage window and any COBRA election period.

Event dossier · before the calculator

MedicalRecords.com Editorial · reviewed August 11, 2026

The facts to establish first

Potential trigger: Voluntarily leaving a job can still create a Marketplace enrollment opportunity when qualifying job-based coverage ends.
First action: Confirm whether coverage ends on the last workday or later; do not calculate from the resignation date unless they match.
Proof to keep: Keep the employer or plan letter showing the final day of coverage and any continuation notice.

Verify timing with HealthCare.gov's Special Enrollment Period guidance and, when continuation coverage applies, the U.S. Department of Labor COBRA guide. Rules depend on the event and notice; the calculator below does not replace the official eligibility result.

Map the dates you can verify

Coverage transfer desk · No phone required

Status: Input 1 of 3
Privacy: No phone

Three stops to a dated route.

Start with what happened

The tool calculates the federal loss-of-coverage window and, when the notice date is known, the COBRA election deadline. It does not estimate subsidy dollars without the ZIP, ages, income rules, and live Marketplace data needed to do that responsibly.

01
Coverage change
Leaving a job or going freelance
Current input
02
Coverage ends
Awaiting confirmed date
Next
03
COBRA notice
Awaiting notice status
Next

What changedQuestion 1 of 3

What is changing?

Choose the event that best matches your coverage loss.

Layoff or job lossAsk HR or the plan administrator when job-based coverage ends and when the COBRA election notice will be sent.Leaving a job or going freelanceConfirm whether coverage ends on the last workday or at month-end; the employment end date and coverage end date may differ.Turning 26 or losing dependent statusAsk the parent's plan for the exact coverage end date and whether federal COBRA or another continuation option applies.Divorce or legal separationNotify the group plan using its stated procedure; for some COBRA events the plan is not required to act until it receives proper notice.Another loss of qualifying coverageConfirm that the loss is involuntary and qualifies for a Special Enrollment Period before relying on the dates below.