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Health Coverage

I Lost My Health Coverage — What Are My Options?

Compare COBRA, ACA Marketplace, and Medicaid / Medi-Cal to find your best path forward. Estimated subsidies, eligibility, and cost are calculated based on your specific situation. California residents see Medi-Cal and Covered California analysis.

Based on the information provided and disclosed assumptions. This is not legal or insurance advice — consult a licensed navigator or broker for your specific situation.

Analysis Level

Your Situation

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The information you enter is used only to perform calculations in your browser. We do not store, retain, sell, or share your calculator inputs. Refreshing the page or using Clear All Data removes the information.

How this works

  • • Enter your state and income for personalized results
  • • COBRA, Marketplace, and Medicaid / Medi-Cal are scored and compared
  • • Estimated ACA subsidies are calculated using 2026 FPL tables and current-law 2026 PTC contribution percentages
  • • Every assumption is disclosed in the assumptions panel
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Calculator FAQ

Common Questions About This Result

What does Lost Health Coverage? actually tell me?

Lost Health Coverage? shows a modeled result based on the information entered, the assumptions shown on the page, and the related risk and confidence indicators.

What assumptions does this calculator make?

It uses user-entered values when available and visible planning defaults when a private or quote-based value is not entered. Assumptions are shown so they can be reviewed.

When should I not rely on this result by itself?

The result is incomplete when key inputs are missing, when private quotes or official eligibility decisions are required, or when a professional review is needed for taxes, legal issues, insurance, lending, medical coverage, employment, or investments.

Is this professional advice?

No. AnswerWorth is educational decision support. It explains scenarios, tradeoffs, assumptions, and risk signals, while the final decision remains with the user.

Calculator Trust Notes

Review Status, Assumptions, and Sources

Last updated July 8, 2026

Last reviewed July 8, 2026

Visible Assumptions

  • • Coverage options are compared using entered COBRA premium, Marketplace premium, subsidy estimate, household income, household size, state, and timing inputs.
  • • Provider, prescription, savings runway, and medical-need scores use the preference and risk fields shown on the page.
  • • Medicaid, Medi-Cal, CHIP, and subsidy outputs are estimates, not official eligibility decisions.

Not Included in the Estimate

  • • Plan-level formularies, provider directories, final Marketplace eligibility, state agency determinations, or COBRA administrator decisions.

Page-Level Sources

  • • HealthCare.gov coverage loss and Marketplace guidance
  • • Department of Labor COBRA guidance
  • • KFF subsidy methodology
  • • CMS Medicaid and CHIP education

Data Freshness

Reviewed July 8, 2026. Public rules, rates, benefit limits, market prices, and local costs can change after this review date.

This calculator is educational decision support. Results depend on the information entered, visible assumptions, and calculation logic shown on the page.

Helpful Resources

These outside resources can help you learn more about the topic. They are provided for education only and do not replace professional advice.

HealthCare.gov — See Your Options If You Lose Job-Based Health Insurance

Official Marketplace guidance for losing employer coverage.

HealthCare.gov — Special Enrollment Period After Losing Health Coverage

Official explanation of Special Enrollment Period eligibility after coverage loss.

Covered California — Special Enrollment

California-specific Special Enrollment and Medi-Cal information.

Department of Labor — COBRA Continuation Coverage FAQ

Official COBRA explanation for workers and families.

Decision Review Guide

What This Means

Coverage choice depends on deadline, premium, provider needs, subsidy estimate, and household eligibility.

Biggest Risk

Missing a Special Enrollment Period or assuming an estimated subsidy is guaranteed can create a coverage gap.

Biggest Opportunity

Acting early gives more time to compare COBRA, Marketplace, Medicaid, and state-specific options.

First Things To Review

Items to confirm include coverage-loss date, SEP deadline, household income, and provider needs.

Items To Consider Next

Plan premiums and eligibility are worth verifying with official sources before enrollment.

Decisions To Be Careful With

Be careful about treating estimated Marketplace premiums as exact plan pricing.

Related Engines

Important: AnswerWorth is an educational decision-support tool. It does not provide legal, financial, tax, medical, insurance, employment, benefits, investment, or professional advice. Results are estimates based on the information you enter and the assumptions shown. The final decision is always yours. Always verify important decisions with official sources or qualified professionals.

AnswerWorth is an educational decision-support platform. Results are based on user inputs, assumptions, and visible calculation logic. AnswerWorth does not provide financial, legal, tax, medical, insurance, employment, or professional advice.