28 year old male, probably simple answer here, but this all just happened and I’m really unfamiliar with the landscape.
Just got laid off, it was give or take a mutual decision so no hard feelings about it. I’ve been interviewing a bunch over the last few months so it’s just a matter of time before I nail something down. Happy about having the weight of my former position off my back, but health insurance/dental was the main thing stopping me from putting in 2 weeks (Well that and money lol)
Anyway, laid off, told I have 60 days (I think from February first) to decide whether or not to elect Cobra and pay the whole premium. HR said it can be activated retroactively so if something happens I can activate it.
I know another separate private insurance plan would probably be cheaper…I’m relatively healthy but anxiety of not having coverage kills me a bit. I live in New York so short term insurance isn’t a thing here apparently. Curious are there any alternatives here? Or am I going to be stuck with paying for insurance from a separate vendor, when I could be employed with benefits in a matter of weeks, maybe a couple months at most.
Another thing, I’m seeing commercials now regarding open enrollment ending Jan 31st. Am I correct in saying that doesn’t apply to me because of being laid off i.e Special enrollment period? So I can still have my pick of private insurance options in that 60 day period? Or do I have to get my shit together by Monday and figure out a plan?
submitted by /u/Sweatygun
[link] [comments]28 year old male, probably simple answer here, but this all just happened and I’m really unfamiliar with the landscape. Just got laid off, it was give or take a mutual decision so no hard feelings about it. I’ve been interviewing a bunch over the last few months so it’s just a matter of time before I nail something down. Happy about having the weight of my former position off my back, but health insurance/dental was the main thing stopping me from putting in 2 weeks (Well that and money lol) Anyway, laid off, told I have 60 days (I think from February first) to decide whether or not to elect Cobra and pay the whole premium. HR said it can be activated retroactively so if something happens I can activate it. I know another separate private insurance plan would probably be cheaper…I’m relatively healthy but anxiety of not having coverage kills me a bit. I live in New York so short term insurance isn’t a thing here apparently. Curious are there any alternatives here? Or am I going to be stuck with paying for insurance from a separate vendor, when I could be employed with benefits in a matter of weeks, maybe a couple months at most. Another thing, I’m seeing commercials now regarding open enrollment ending Jan 31st. Am I correct in saying that doesn’t apply to me because of being laid off i.e Special enrollment period? So I can still have my pick of private insurance options in that 60 day period? Or do I have to get my shit together by Monday and figure out a plan? submitted by /u/Sweatygun [link] [comments]Read Morer/HealthInsurance