The Health Insurance Plan Through The Affordable Care Act ( Obamacare ) Marketplace

The Health Insurance Plan Through The Affordable Care Act ( Obamacare ) Marketplace

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When you are switching jobs, here are a few things you need to know that will help you decide what to do about your health insurance.

• You can choose to opt into COBRA insurance, which is a federal law that extends your employer-based health insurance while you are switching jobs.
• You can choose a health insurance plan through the Affordable Care Act (Obamacare) marketplace.
• You can shop for a short-term or private health insurance plan as a safety net to cover your basic health care needs.

A Closer Look at COBRA
The Consolidated Omnibus Reconciliation Act of 1986 provides health benefits to employees, spouses and their dependents after they leave their job. The law allows employees to keep their group health plans between 18 and 36 months after they lose their employer-based coverage. The law applies to any local or state government plans and any plans obtained through the private sector. Under the law, you will receive benefits that include outpatient and inpatient care, doctors’ visits, prescription drug coverage and other major medical benefits. However, there is no lif...

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