Workers laid off mid-year qualify for an ACA Special Enrollment Period — 60 days from the date job-based coverage ends, often cheaper than the $584-a-month COBRA average
Workers who lose employer-sponsored health insurance mid-year face a tight deadline and a costly default option. Federal rules give them 60 days to enroll in an Affordable Care Act Marketplace plan through a Special Enrollment Period, a window that starts the day job-based coverage ends. The alternative, COBRA continuation coverage, shifts the full premium cost…