What to Do When You Lose Health Insurance?

If you’ve just lost your health insurance, the worst thing you can do is turn to major online quote websites. These sites often sell your data to multiple insurance agents, leading to an overwhelming flood of telemarketing calls. Instead, let HealthQuotesMadeEasy.com help you. We work with you to compare all available options and find the most affordable coverage tailored to your needs, absolutely FREE.

Common Reasons You May Lose Your Health Insurance

• Aging out of a parent’s plan (typically at age 26)

• Job change or job loss resulting in loss of employer-sponsored coverage

• Using insurance too much on non-guaranteed renewable private plans

• Moving to a different state or coverage area, impacting Affordable Care Act (ACA) plans

• Becoming eligible for other coverage, such as:

  • Aging into Medicare (at 65)

  • Gaining employer-sponsored insurance

  • Qualifying for Medicaid due to lower income

• Divorce or death of a spouse (if covered under their plan)

• End of COBRA continuation coverage

• Losing dependent status after a change in family circumstances

What to Know After You Have Lost Coverage

There are several ways to regain health insurance after losing coverage:

1. State Insurance (Medicaid/Medicare)

If you meet income or age requirements, you may qualify for government health programs.

2. Affordable Care Act (ACA) Plans

Losing health insurance qualifies you for a Special Enrollment Period, allowing you to enroll in an ACA plan outside of open enrollment. These plans work well for those who qualify for income-based subsidies or have pre-existing conditions requiring ongoing care.

3. Private Insurance Through an Authorized Broker

Private plans price coverage based on age, not income, and may offer health-based discounts. However, beware of short-term plans, as they often come with high deductibles and coverage gaps.

4. Catastrophic or Major Medical Plans

If you’re between employer plans, a major medical plan can serve as a short-term safety net. These plans cover hospitalizations and major illnesses but typically limit access to in-person doctor visits, relying on teledoctor services instead. They tend to be more affordable than full-coverage plans.

Let Us Help You Find the Best Coverage

Navigating health insurance options alone can be overwhelming. Many online quote websites sell your information, leading to non-stop telemarketing calls. Instead, let HealthQuotesMadeEasy.com handle the research for you. We’ll guide you through your options and find the most affordable way to get covered again—without the hassle. Contact us today to get started!