If you want to get health coverage through the Health Connector, you will have 60 days from the date that your employer health plan ends to enroll. However, to avoid a gap in coverage, it’s best to apply as soon as possible.
Losing your employer coverage is considered a qualifying life event, which gives you a 60-day special enrollment period for enrolling outside of the Health Connector’s Open Enrollment period. Once your special enrollment period is over, you may not be able to enroll through the Health Connector again until the next Open Enrollment period.
If you are offered COBRA through your employer, you
typically have 60 days to decide if you want to enroll. However, in response to the coronavirus health crisis, this time period has been temporarily extended. Please visit the U.S. Department of Labor’s FAQs to find out how the temporary extension may impact you.
If there were other people enrolled with you in your job-based plan, such as family members, not everyone will have to make the same decision. For example, some household members could choose COBRA while others could enroll through the Health Connector.