When you lose job-based insurance, you may be offered COBRA continuation coverage by your former employer.
- If you’re losing job-based coverage and haven’t signed up for COBRA, learn about your rights and options under COBRA from the Pennsylvania Insurance Department.
- You can also elect to enroll in a plan through Pennie, and you may be eligible for financial assistance to lower the cost of coverage. Losing job-based coverage qualifies you for a Special Enrollment Period. This means you have 60 days to enroll in a health plan, even if it’s outside the annual Open Enrollment Period.
You can also browse plans to see what is available in your area before you decide. Use our anonymous shopping tool to see the plans available to you, and if you qualify for financial assistance! If you already have COBRA coverage
Even if you’re already enrolled in COBRA, you may have options to enroll in coverage through Pennie.
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Can you change from COBRA to a plan through Pennie? |
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If your COBRA is running out |
If you’re ending COBRA early |
If your COBRA costs change because your former employer stops contributing, and you must pay full cost |
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During Open Enrollment (Nov. 1 – Jan. 15) |
Yes, you can change. |
Yes, you can change. |
Yes, you can change. |
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Outside Open Enrollment |
Yes, you can change — you qualify for a Special Enrollment Period. |
No, you can’t change until the next Open Enrollment Period, your COBRA runs out, or you qualify for a Special Enrollment Period another way. |
Yes, you can change — you qualify for a Special Enrollment Period. |
Don’t forget – Open Enrollment for 2023 coverage begins November 1, 2022 and ends January 15, 2023!