You just lost your job. Here's how to see all your health insurance options, not just the one HR handed you.
A plain-English guide from a physician, walking you through COBRA, the ACA marketplace, and the 60-day window you probably didn't know was running, so you can make an informed call instead of a rushed one.
No spam. One email with the guide. That is it.
Who this is for
You were laid off, fired, or let go in the last few weeks. HR handed you a COBRA packet. You want to keep your coverage, maybe you have a family, a prescription, a condition you're managing, but you also want to know what else is on the table before you commit.
Every article you've found is either written by a broker trying to sell you something or buried in acronyms you don't have time to decode. You want a straight answer from somebody who isn't selling you anything.
What is inside the guide
- 1How COBRA actually works: what it costs, how long it lasts, and who it's built for
- 2The ACA marketplace Special Enrollment Period: what triggers it, what closes it, and why losing your job opens a door most people don't know exists
- 3Side-by-side: how to compare a COBRA premium against a marketplace plan for your situation
- 4The situations where COBRA is genuinely the right call (they exist)
- 5A one-page checklist you can fill out at your kitchen table before you sign anything
About the author
Matthew Ton-That
MD · MBA · MPH · Board-Certified Urologist
No commission. No quota. Nothing to sell you. This guide exists because the information gap around health insurance after job loss is a systems problem, and patients deserve a straight answer from someone without a financial stake in which direction you go.
Get the guide before the window closes.
Free. Plain English. Written by a physician with no financial interest in your decision.
No spam. One email with the guide. That is it.