COBRA and Benefits Navigation

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Dec 12, 2025Dec 27, 2025

Understand your healthcare options after losing your job

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I just lost my job and I'm confused about my health insurance options. I need help understanding what to do about healthcare coverage.

Ask me about my situation - what state I live in, my family situation, current health needs, when my coverage ends, my budget for insurance, and if I have a COBRA quote. Then help me understand:

1. COBRA basics - what it covers, how long I have to decide, and true costs
2. ACA/Healthcare.gov options - am I eligible for subsidies given my situation?
3. Spouse's plan - what to consider if I can join my partner's insurance
4. Short-term health insurance - pros, cons, and when it makes sense
5. What happens to my HSA/FSA funds
6. Timeline of key deadlines I can't miss
7. Which option makes most sense given my specific situation

I'm overwhelmed by the options and scared of making an expensive mistake.

Losing your job doesn't mean losing healthcare access, but navigating the options is confusing. This prompt helps you understand your choices and make the right decision for your situation.

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