The day your paycheck coverage ends, two doors open: a 60-day Special Enrollment Period on the marketplace, and short-term plans that can start tomorrow. We'll help you pick the right one fast.
Health Enrollment Center is operated by Sprinter Insurance Agency LLC. We are not HealthCare.gov or any government marketplace.
Losing job-based coverage is a qualifying life event, so it opens a 60-day Special Enrollment Period on the ACA marketplace — where your now-lower income may qualify you for a premium tax credit you couldn't use while employed. For many people, a subsidized marketplace plan beats both COBRA and going without.
If you need something in place immediately while you sort out the long-term plan, a short-term medical plan can be issued as soon as the next day. It's a cheap bridge for a healthy person, with the honest caveat that it isn't ACA-compliant and won't cover pre-existing conditions.
We'll compare COBRA, a subsidized marketplace plan and a short-term bridge for your exact situation, and get you covered before there's a gap.
Don't see yours? Call a licensed agent — most answers take under two minutes.
Losing job-based coverage opens a 60-day Special Enrollment Period on the marketplace, counted from the date coverage ends. Short-term plans have no such window and can start almost immediately.
It depends on your income and your doctors, but a subsidized marketplace plan is often significantly cheaper than COBRA, because COBRA is the full group premium with no employer contribution and no tax credit. We compare both — and a short-term bridge — before you decide.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.