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Life Change

Health Coverage Between Jobs

A job change should not leave you uninsured. Between employer plans, there are usually several ways to bridge the gap — the key is acting inside the enrollment window.

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Ways People Bridge the Gap

  • An individual major medical plan through a special enrollment period
  • COBRA continuation of the prior employer plan
  • Short-term medical products, where available, as a temporary bridge
  • A spouse's employer plan, if their special enrollment window allows

Avoiding a Gap

Coverage effective dates depend on when the application is completed, so a plan started late in the month may not begin until the following month. Mapping the end date of your old coverage against the start date of the new plan is the simplest way to avoid an uncovered stretch.

Related Reading

This page is for general educational purposes only and is not insurance advice, a policy, or an offer of coverage. Availability and eligibility vary by state and applicant.

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