getCoverageNow — Health Insurance Help in Plain English
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Lost your job? Here's what to do about health insurance
Losing a job triggers a 60-day Special Enrollment Period. Your best options in priority order: join a spouse's employer plan (fastest), check Medicaid eligibility if income is under $30,000/yr (free coverage), enroll in an ACA Marketplace plan with possible subsidy, or elect COBRA as a last resort (most expensive option).
Turning 26 and losing parents' insurance? Affordable options for under 30s
Aging off a parent's plan is a Qualifying Life Event. You have 60 days to enroll in a new plan. Options: your employer's plan (cheapest if available), Medicaid (free if income is very low), Catastrophic Health Insurance (the best affordable coverage for under 30s), or an ACA Marketplace plan with possible subsidy.
Best health insurance if you're self-employed or freelancing
Self-employed people should consider: ACA Marketplace plans (your net profit counts as income for subsidy calculation), HSA-eligible High-Deductible plans with tax-deductible contributions, Medicaid if income is low. The ACA Marketplace is usually the best starting point for freelancers.
Dental insurance options without employer coverage
If you don't have employer dental coverage, your main options are standalone dental insurance plans (good for major work like crowns), or dental discount plans like DentalPlans.com (annual membership, immediate savings, no waiting periods — best for preventive care).
What does Medicare cover? (For people turning 65 or with disabilities)
Original Medicare includes Part A (hospital) and Part B (medical). Most people add a Part D drug plan and either Medicare Advantage (all-in-one) or a Medigap supplement. Enrollment starts 3 months before your 65th birthday.
Is getCoverageNow free?
Yes, completely free. We are transparent: we may earn a referral fee from some insurers if you decide to enroll through our links. This never changes our recommendations. When a free government option (like Medicaid) is your best choice, we say so first — even though we earn nothing from it.
getCoverageNow is an independent educational guidance platform. We are not a licensed broker or insurance agent. Always verify coverage terms directly with the insurer before enrolling.