Changing jobs
A new role may start coverage on a different date than the old one ends, and the plan design may not be the same.
Health
Coverage Beyond the Workplace
Health insurance needs can extend beyond the workplace. A job change, loss of eligibility, change in hours, retiring before Medicare eligibility, family change, or other life event can create new health insurance questions. Insurance ProActive helps individuals and families understand what coverage already exists, what may continue, and which personal health insurance options may be appropriate for what comes next.
When it may need attention
Health insurance questions often start with a life change.
Not everyone in these situations needs replacement coverage. Some coverage continues, some can be continued by choice, and some needs to be replaced. The point of this list is to recognize when the question is worth asking.
Losing workplace coverage
Coverage may end because of a job change, a reduction in hours, a plan change, or a change in who is eligible.
COBRA or other continuation decisions
Continuation may be available depending on the plan and the situation. It is one option to compare, not automatically the only one.
Part-time or seasonal work
Some roles don't meet the plan's eligibility requirements, even when the work itself is steady.
Losing benefit eligibility
Eligibility can change for an employee or for a dependent without the job itself changing.
Retiring before Medicare eligibility
Leaving work before Medicare eligibility can create a coverage period that needs its own answer.
Growing a family
A birth or adoption can change who needs to be covered and when the plan allows a change.
Divorce or separation
Coverage that was shared across a household may need to be reconsidered for one or more people.
Self-employment and other situations
Some households have no traditional workplace plan available to start with.
Start here
Understand what already exists before replacing it.
The strongest first step is rarely a new product. It's a clear picture of the coverage that's already in place, what the plan allows, and the timing involved.
- Existing workplace coverage
- Continuation options under the plan
- COBRA where applicable
- Spouse or partner coverage where available
- Other coverage already in place
- The date coverage actually ends
- Which household members are affected
What applies depends on the plan, the employer, the situation, and the state. Plan documents and the plan administrator are the authoritative source for what a specific plan allows.
Personal health insurance options
Explore health insurance coverage options.
Which of these is appropriate depends on the household, the situation, and what's already in place. Not every option is right for every person, and product, carrier, producer, and state availability may vary.
Individual & Family Medical
Medical coverage for people who need insurance outside a traditional workplace plan.
Learn about this coverageChoice Coverage
Explore individual health insurance options when an employer offers an individual coverage arrangement or when your coverage needs change.
Learn about this coverageCOBRA Alternatives
Personal health insurance options to compare when workplace continuation coverage is available.
Learn about this coverageDental Insurance
Personal dental coverage for preventive care and covered dental services.
Learn about this coverageVision Insurance
Personal vision coverage for covered exams, lenses, frames, or contacts.
Learn about this coverage
Additional protection for life's unexpected moments
Your health insurance is an important starting point, but it may not address every financial concern. Supplemental insurance can provide additional benefits for covered accidents, serious illnesses, or hospital stays.
Explore options that may complement your existing coverage and help protect your household from unexpected expenses.
The household view
One household rarely needs one identical answer.
Household members may differ in coverage, eligibility, age, employment situation, and transition dates. We don't assume the whole household needs the same solution.
Different coverage today
One household member may be on a workplace plan while another is not covered at all.
Different eligibility
Eligibility rules can apply differently to an employee, a spouse or partner, and a dependent.
Different ages
Age can change which options are available to a person, including whether Medicare is relevant at all.
Different employment situations
One person may be changing jobs while another's work is unchanged.
Different dates
Coverage may end on different dates for different people, which changes the order of decisions.
Before you replace it
Some workplace benefits can continue.
Where workplace benefits are ending or changing, continuation or other options may exist depending on plan provisions. That's worth confirming before assuming coverage simply stops. Continuation is a transition consideration inside Health — not a separate solution area.
Questions worth asking the plan
- What exactly is ending, and on what date?
- Does the plan offer continuation, and for how long?
- Who in the household is covered under it today?
- What has to be elected, and by when?
- What is the cost if coverage continues?
How we help
Education first, in the order the decisions happen.
We help you understand the coverage picture so a decision can be made with context — not under pressure.
- 01Understand what existsStart with the coverage already in place, for each person it applies to.
- 02Identify what is changingConfirm what is ending or changing, and when.
- 03Consider the householdLook at who else the change reaches before comparing options.
- 04Review relevant optionsConsider the personal health insurance options that may be appropriate and available.
- 05Take the next stepMove forward with a licensed professional when it's time to decide.
Financial Relationship Manager
You don’t have to work out everything a change affects on your own. A Financial Relationship Manager helps you understand what is changing and what may need attention — so you don't have to figure that out on your own first.
The other connected areas
One change may involve more than one area.
Depending on what's changing, one or several of these may need attention. They are considered together only when they're relevant to your household.
Protection
Life, disability, supplemental benefit, and long-term-care coverage considered around the financial consequences a household may face.
Explore ProtectionRetirement
Insurance-based solutions that address income, longevity, and protection needs in retirement.
Explore RetirementProperty & Lifestyle
Auto, homeowners, renters, umbrella, and related personal coverage where property or liability needs are relevant.
Explore Property & LifestyleLegacy
Protection and preparedness for what you want to leave behind — including life insurance where appropriate, beneficiary preparedness, financial-account organization, and coordination with the legal and financial professionals who may be part of the larger legacy picture.
Explore LegacyMedicare
Guidance around Medicare eligibility, timing, and how Medicare may interact with workplace coverage.
Explore Medicare
The best time to understand your health insurance options is before coverage ends — not after.