1 You may be eligible for COBRA. Check with your previous employer to review your options.
2 Personal insurance is not the same as COBRA, so review your COBRA information carefully.
3 A terminated employee may be eligible for continuation of coverage under federal or state law. Check with your former employer.
4 Bureau of Labor and Statistics, “Labor Statistics from the Current Population Survey,” 2014.
5 Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.