Lost a job or coverage

You have 60 days. Most people have options cheaper than COBRA.

Losing employer coverage is a qualifying event: you can enroll on CoverME.gov within 60 days, with a subsidy based on your new, lower income, or MaineCare if it applies. COBRA is rarely the best answer.

60 daysFrom the day coverage ended

Any monthNo need to wait for open enrollment

Lower incomeOften means a bigger subsidy

Free, ten minutes

Name and number. We call you back, 10 to 5.

What to do, in order

1Note the date your coverage ends; the 60 days run from there.
2Estimate this year's income with the job gone, not what the W-2 said.
3Compare CoverME.gov plans and MaineCare against the COBRA price before paying a COBRA bill.

What it costs

Nothing. Plan prices are set by the insurers and are the same with or without a broker; we are paid by the insurer when you enroll. You approve the application before it goes in.

All the 2027 facts