Losing a job is stressful enough without the added worry of what happens to your health insurance. In Texas, employer-provided coverage typically doesn’t stick around after you leave your job—and if you don’t have a plan in place, a gap in coverage can become expensive quickly.

Fortunately, when you work with a trusted insurance agency like Barry Insurance Group, serving Pearland, TX, you can worry less about navigating health insurance options. Still, it’s helpful to know what steps to take when facing a potential gap in coverage.

When Does Your Coverage Actually End?

Health insurance through your employer may end on your last day of work or continue until the end of the month—it depends on the company’s policy. There’s no universal rule, so it’s important to confirm the exact cutoff date with your HR or benefits representative to avoid being caught off guard.

Keeping Your Old Plan with COBRA

COBRA allows you to keep your employer’s health plan for up to 18 months if the company has at least 20 employees. Smaller businesses in Texas may offer “state continuation” coverage, which works similarly. However, under COBRA, you’ll be responsible for paying the full premium yourself, which can be a shock if you’re used to your employer covering a significant portion of the cost.

Marketplace Plans as a Backup

Losing job-based coverage qualifies you for a special enrollment period on the federal Health Insurance Marketplace. You’ll have 60 days to select a plan, and subsidies can make coverage surprisingly affordable. In many cases, coverage can begin on the first day of the month after you sign up, helping to minimize the gap in protection.

The key is to act early—don’t wait until your coverage runs out to explore your options. Whether you choose COBRA, a Marketplace plan, or another solution, sorting it out ahead of time ensures you won’t have to gamble with your health or finances while you’re between jobs. Contact Barry Insurance Group, serving Pearland, TX, today to learn more and get the guidance you need.

Many of us have heard stories about individuals with pre-existing conditions who struggled to get care or had to pay significantly more due to their condition. This can understandably cause anxiety when shopping for health insurance with a pre-existing condition. But what exactly are pre-existing health conditions, how do they impact those seeking a health insurance policy, and what steps, if any, need to be taken? We’ll answer all these questions and more. Once you’re armed with the right information, you can confidently start shopping for a policy with the support of our team at Barry Insurance Group in Pearland, TX.

Understanding Pre-Existing Health Conditions

A pre-existing health condition is any health condition you had before applying for a health insurance policy. In the past, health insurance companies could refuse customers or charge them more due to these conditions, leading to many of the stories we hear. However, the Affordable Care Act has changed this. Insurance companies can no longer deny coverage or charge more for coverage if someone has a pre-existing health condition. Some companies have found workarounds, such as imposing waiting periods. In short, while pre-existing health conditions were a concern in the past, they are no longer as significant when shopping for an insurance policy. Just ensure to thoroughly read your insurance policy to identify any hidden requirements that may delay coverage when you need it most.

Find Coverage with Barry Insurance Group

If you’re ready to shop for health insurance coverage in Pearland, TX, our team at Barry Insurance Group is here to simplify the process and answer any questions you may have. Compare quotes now or contact us today!