# Breakaway Insurance

> Your coverage is ending — here are your real deadlines. A dated coverage-transition route for a layoff, leaving work, turning 26, divorce, or another qualifying loss. It calculates the federal Marketplace window from the entered coverage-loss date and calculates a COBRA election deadline only when the notice date is supplied.

Breakaway Insurance is a focused service in the MedicalRecords.com network (https://www.medicalrecords.com). It has no account system or database of its own and does not store medical records.

## Search intent
This site is the network's focused source for **health insurance after a qualifying coverage loss**.

## Questions this service answers
- What health insurance deadlines apply after job loss?
- How do COBRA and Marketplace enrollment windows overlap?
- What proof should I keep after losing coverage?

## Key facts
- Losing job-based coverage opens a Marketplace Special Enrollment Period, generally from 60 days before to 60 days after the loss. Source: [HealthCare.gov — Special Enrollment Periods](https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/); verified 2026-07-28.
- The COBRA election period is at least 60 days from the later of the coverage-loss date or election-notice date. Coverage timing and retroactivity depend on the election and plan rules. Source: [U.S. Department of Labor — COBRA guide](https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/cobra); verified 2026-07-28.
- COBRA generally lasts 18 months for employment termination or reduced hours, with longer periods in specified circumstances, and plans may charge up to 102% of cost. Source: [U.S. Department of Labor — COBRA continuation coverage](https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/cobra); verified 2026-07-28.
- Voluntarily ending COBRA early does not by itself create a Special Enrollment Period; COBRA exhaustion can. Source: [HealthCare.gov — COBRA and Marketplace coverage](https://www.healthcare.gov/unemployed/cobra-coverage/); verified 2026-07-28.
- The tool does not generate a personal premium, subsidy, or plan verdict. It tells people to compare confirmed premiums, deductible progress, provider networks, prescriptions, and treatment continuity.
- General information, not legal or financial advice. The site never asks for a phone number.

## Key pages
- [Your dated Breakaway Plan (home)](https://breakawayinsurance.com/)
- [Guide: COBRA vs. the ACA marketplace — the honest math (2026)](https://breakawayinsurance.com/guides/cobra-vs-marketplace)
- [After a layoff](https://breakawayinsurance.com/laid-off)
- [Quitting or going freelance](https://breakawayinsurance.com/quitting)
- [Turning 26](https://breakawayinsurance.com/turning-26)
- [After a divorce](https://breakawayinsurance.com/divorce)
- [The COBRA math](https://breakawayinsurance.com/cobra)
- [Privacy](https://breakawayinsurance.com/privacy)
- [Accessibility](https://breakawayinsurance.com/accessibility)

## MedicalRecords.com network
- [MedicalRecords.com](https://www.medicalrecords.com): the account and records platform connected to this service.
- [All 15 specialized sites](https://www.medicalrecords.com/network): the task-by-task directory for this focused service network.

## Related focused services
- [America's Quotes](https://americasquotes.com): Open a sourced 2026 state benchmark record, understand what it does and does not measure, and find the official Marketplace route.
- [Health Insurance Magic](https://healthinsurancemagic.com): Decode recognized SBC, EOB, and plan-document clauses into a plain-English reading, an explicit boundary, and a proof checklist.
- [My Insurance Price](https://myinsuranceprice.com): Reconcile a premium against a sourced state benchmark, grade whether the definitions line up, and retrieve the proof needed before acting.
- [cheap.health](https://cheap.health): Build a care-cost verification brief that routes a visit, prescription, test, or coverage question to the source capable of establishing the current amount.

## Note
Breakaway Insurance is general information, not legal or financial advice, and is not affiliated with any government agency. Deadlines and figures vary by situation, state, and year; confirm current specifics at HealthCare.gov, with the U.S. Department of Labor, or with your plan administrator.