Losing job-related coverage

Job-related coverage can be affected if:

• You quit or have been laid off
• Your hours are reduced
• Your employer no longer offers health coverage
• Your employer stops offering health coverage and switches to an individual coverage health reimbursement arrangement (ICHRA)
• You’re a dependent and the subscriber for your plan qualifies for Medicare
• You’re a dependent and the subscriber for your plan dies
• You’re a dependent and you get legally separated or divorced
• You turn 26 and no longer qualify as a dependent on a parent’s employer-sponsored plan

If you’ve lost your job-related health coverage, you have several ways to stay covered, including:

• A Kaiser Permanente individual or family plan
  • You can buy an individual or family plan directly through Kaiser Permanente or your state’s health benefit exchange. 
  • Financial assistance may be available. To see if you qualify, visit buykp.org.
• Medicaid and other federal and state health coverage programs. Visit the Kaiser Permanente Medicaid website to see if Kaiser Permanente offers a Medicaid plan in your area.
• COBRA* continuation coverage, which can continue your employer-sponsored coverage through your ex-spouse or ex-partner’s plan for a limited time.
• Coverage through your employer, or as a dependent on a spouse or partner’s plan. Contact your employer’s health benefits administrator to find out if you have coverage options.

COBRA is a continuation of employer-sponsored coverage that you pay for monthly. It’s generally available to employees who lose job-related coverage, but only for a limited time, usually 18 months.

Visit the COBRA continuation of coverage webpage to learn more. You can also contact your employer to see what COBRA options from Kaiser Permanente you may have.

Depending on the coverage option you choose, that date can vary.

• Individual or family plan through Kaiser Permanente or the health benefit exchange — Coverage may start the first day of the month after you lose your coverage.
• COBRA — Your employer-sponsored coverage will continue without a break.
• Medicaid — Coverage may start either on the date you apply for Medicaid or the first day of the month you apply, depending on your state’s Medicaid rules.

Depending on your family size and income level, you may qualify for financial assistance. Financial assistance through Kaiser Permanente’s Medical Financial Assistance and Charitable Health Coverage programs is available in some areas, and government-funded programs like Medicaid and the Children’s Health Insurance Program (CHIP) can help you stay covered.

• Learn more about Kaiser Permanente’s Medical Financial Assistance and Charitable Health Coverage programs.
• Check healthcare.gov or your state’s health benefit exchange to see if you qualify for Medicaid, CHIP, or other government-funded programs.

If you’ve had a qualifying life change — such as losing your job — you can apply for coverage for a limited time outside the yearly open enrollment period. This is called a special enrollment period.

• If you’re applying for an individual plan, your special enrollment period typically lasts 60 days from the date of your life change. In some cases, the special enrollment period extends from 60 days before to 60 days after the change.
• If you’re applying for coverage through your employer, your special enrollment period lasts at least 30 days from the date of your life change. The length of time varies by employer.
• If you opt for COBRA coverage, you can sign up within 60 days of the date you lose coverage or the date you get your COBRA election notice — whichever is later. For state COBRA coverage, sign up by the date specified in your COBRA election notice. Check your election notice to confirm your deadline.
• If you qualify for Medicaid, you can apply anytime — with no time restrictions.

You’ll want to act quickly: If you don’t apply by your deadline, you’ll usually need to wait until the following year’s open enrollment period to apply for new coverage.