Your coverage is ending.
See the path forward.
Use your coverage-loss date—and COBRA notice date if you have it—to turn overlapping enrollment windows into one calm route.
Every deadline comes with its rule and an official place to verify it. No phone number or sales pitch.
- Two dates
- when available
- No phone number
- ever asked
- Official sources
- beside the result
Map the dates you can verify
Your coverage map · No phone required
- 1 Event
- 2 Route
The route stays in order
Verify the triggering date
Use the coverage end date from the employer, insurer, or plan—not an assumed last workday.
Route stop 1
Separate the two clocks
The Marketplace window centers on coverage loss. COBRA election timing generally uses the later of loss or notice.
Route stop 2
Compare after verification
Use exact premiums, deductible progress, networks, prescriptions, and treatment continuity—not a generic cheaper-plan claim.
Route stop 3
Not sure which moment you're in? Start witha layoff,turning 26, orthe COBRA math.
Transition safeguards and official routes
Coverage transition guides
COBRA vs. the ACA marketplace: the honest math (2026)
The federal timing rules, the inputs that change the comparison, and a worksheet for checking exact premiums, deductible progress, networks, and treatment continuity.
Read the guide →Every qualifying event and your 60-day clock
Which life events can open a Special Enrollment Period, the usual timing, and common proof examples — with an official verification step for each application.
Read the guide →Common questions
Sources: U.S. Department of Labor COBRA guidance and HealthCare.gov Special Enrollment Period guidance · Last reviewed: August 11, 2026
How long do I have to sign up after losing coverage?
For a marketplace plan, you get a Special Enrollment Period that runs from 60 days before to 60 days after you lose job-based coverage — so you can enroll early and avoid a gap. For COBRA, you have 60 days from the later of your coverage-loss date or the date your election notice arrives. Source: HealthCare.gov; DOL.
How long does COBRA last, and what does it cost?
COBRA usually lasts up to 18 months (longer in some cases — 29 months with a disability, or up to 36 months for certain dependents). You typically pay the entire premium — the part your employer used to cover plus your own — up to 102% of the plan's cost. That is why it often feels like a sudden jump. Source: U.S. Department of Labor.
Is the marketplace always cheaper than COBRA?
No. Compare the exact COBRA premium with the Marketplace premium after any tax credit confirmed by the Marketplace. Also compare deductible progress, out-of-pocket maximum, provider network, formulary, and treatment continuity. This tool does not estimate a personal premium or choose for you.
Can I switch from COBRA to the marketplace later?
Usually only at the next Open Enrollment, or when your COBRA runs out or your employer stops contributing — those count as qualifying events. Voluntarily dropping COBRA or simply stopping payment mid-period does not open a Special Enrollment Period. Plan the switch deliberately. Source: KFF; HealthCare.gov.
Do you need my phone number?
No. Breakaway Insurance never asks for a phone number. You get a dated route and the official verification links on the page — no sales call, no lead form.
Is this legal or financial advice?
No. This is general information to help you see your real deadlines and options. For your specific situation, talk to a licensed attorney or a qualified financial professional, and confirm dates at HealthCare.gov or with your plan administrator.
Keep your coverage transition moving
Focused tools for records, coverage, costs, and care decisions.
America's Quotes
Open a sourced 2026 state benchmark record, understand what it does and does not measure, and find the official Marketplace route.
Visit →Health Insurance Magic
Decode recognized SBC, EOB, and plan-document clauses into a plain-English reading, an explicit boundary, and a proof checklist.
Visit →My Insurance Price
Reconcile a premium against a sourced state benchmark, grade whether the definitions line up, and retrieve the proof needed before acting.
Visit →