Woman smiles at camera while packing up her office for a job change

Changing Jobs? Get a Better Deal With Health Plans of NC

Life can be full of planned events and some that are a little more unexpected. If you're changing jobs or facing unemployment, and need to reconsider your health plan, our local North Carolina health insurance agents are here to help. 

Our agents work hard every day to find clients a better deal than COBRA. So before you use COBRA, call us to see how we can help. 

HealthPlans of NC

Health Plans of North Carolina by Kelly Quinn

Life can be full of planned events and some that are a little more unexpected. If you're changing jobs or facing unemployment, and need to reconsider your health plan, our local North Carolina health insurance agents are here to help. 

Our agents work hard every day to find clients a better deal than COBRA. So before you use COBRA, call us to see how we can help. 

What Changing Jobs Means for Your Coverage

If you have employer-sponsored health coverage and either lose your job or switch jobs to an employer that doesn't offer insurance coverage, we can help you get affordable health coverage. 

Our agents will find the best plan to meet your healthcare needs and give you access to more options than what you may get with Consolidated Omnibus Budget Reconciliation Act (COBRA).

What is COBRA coverage?

When you lose your employer-based insurance, you may be offered COBRA continuation coverage by your former employer. Choosing COBRA means you can continue to access group health benefits covered by your group health plan for a limited period. 

COBRA is usually offered to employees who face a voluntary or involuntary job loss, reduced hours or transition between jobs, death, divorce, and other life events. If you qualify, you may have to pay the entire premium for coverage up to 102% of the plan's cost. 

Before enrolling in COBRA

While COBRA may be a good fit for your health needs, it can be costly. Before you accept COBRA, give our agents a call to see what other health plans are available to save you money while still accessing a range of healthcare benefits. 

Already enrolled in COBRA?

If you've already enrolled and it's the Open Enrollment period, you can easily switch to a Marketplace plan to get the best deal for your health insurance, whether you are looking for cheap health insurance or full coverage.

If you're outside Open Enrollment, you may still be able to switch if your COBRA is running out or if your COBRA costs have changed (such as a loss of subsidy or your former employer ceases contributing). Both of these mean you qualify for a Special Enrollment Period. You can also switch if you qualify for a Special Enrollment due to another qualifying reason. 

What is Marketplace Health Coverage?

The Affordable Care Act (ACA) Marketplace is a platform for individuals, families and small businesses who don't have access to employer-sponsored health insurance plans. Our agents can search and find the right private health insurance plan for your health needs and budget. 

Coverage typically includes essential health benefits such as -

  • Outpatient care

  • Emergency care

  • Hospitalization (including surgery and any overnight stays)

  • Pregnancy, maternity, and newborn care (before and after birth)

  • Mental health treatment

  • Substance abuse treatment

  • Counseling and psychotherapy

  • Prescription drugs

  • Rehabilitative services and devices 

  • Laboratory services

  • Preventive and wellness services 

  • Chronic disease management

  • Pediatric services (typically includes child oral and vision care)

Depending on your needs, we can also help you find plans that cover specific benefits, including dental coverage, vision coverage, medical management programs (including back pain, diabetes and weight management), birth control coverage or breastfeeding coverage. 

When applying for any plans, we'll also check if you qualify for Medicaid or the Children's Health Insurance Program (CHIP), which could save you money. 

What is the Special Enrollment Period?

You can only change your health insurance coverage during Open Enrollment unless you're eligible for a Special Enrollment Period

If you qualify for a Special Enrollment Period, you can enroll in a plan at any time throughout the year. Qualifying events typically cover life events, such as having a baby, getting married or moving states. 

You also qualify if you lose or change your job if you enroll within 60 days of ceasing employment. You may also be eligible if you lose coverage through the employer of a family member, including if you lose health coverage through a parent or guardian because you're no longer a dependent. 

Health Coverage for Everyone

Our experienced and knowledgeable health insurance agents can help with a broad range of health insurance coverage needs, whether you work full-time, are self-employed, unemployed or work part-time. 

Contact our agents today to learn more about your options and find a plan that suits your health needs - at the best price. 

Ready to get started?

See plans and pricing today.

Related Articles

Health Insurance agent team
Individual/Family, Medicare, Short Term, Group, Health

The Benefits of Choosing Your Health Insurance Agent

At Health Plans of NC, our experienced and professional team of locally based health insurance agents are here to help you. We've recently launched a new website to make it even easier for anyone living in North Carolina to access the best health insurance plan.  You can request a quote online in seconds simply by providing your zip code. It's a great way to get a quote fast, and we'll assign you to one of our knowledgeable North Carolina agents here to help you find the right plan for your health needs and budget. But if you want more control over your chosen agent, we recommend you look at our new 'Find an Agent' feature. This tool gives you the power to choose which insurance broker you use. 
HealthPlans of NC

Health Plans of NC by Kelly Quinn

Person throwing a child up in the air

New Lower Costs Available On The ACA Marketplace!

New! Lower Cost on the Marketplace for Health Plans!
Making healthcare insurance significantly more affordable for millions of people. Start or switch to a better plan for less cost.
In response to the COVID-19 national emergency, President Biden has signed into law the American Rescue Act of 2021 which includes increasing the number of people eligible for subsidies and offers zero-dollar premiums for people with lower incomes. Starting April 1, more Americans will be able to qualify for a lower monthly premium through Affordable Care Act (ACA) health plans. 
HealthPlans of NC

Health Plans of NC Staff


How Does Dental Insurance Work? A Complete Guide

Separate from health insurance, dental Insurance is a type of medical insurance that covers procedures and services regarding your teeth and gums. It is important to understand what a dental insurance plan is and how it works. By doing so, you will be well-informed about what is best for you and your family.
What is Dental Insurance and How Does It Work?
Dental insurance helps you pay for certain procedures. This could include cleanings, exams, and X-rays. Depending on your plan, you may be able to have more expensive procedures such as root canals or endodontics covered. Most times, individuals will receive their dental insurance through their employer. However, in instances of unemployment or where an employer does not support dental insurance, you can buy individual or family dental insurance plans directly from insurance companies. 
HealthPlans of NC

Son, Daughter, Family, Embracing
Health, Vision

Everything You Need To Know About Vision Coverage

A good health insurance plan can help cover unexpected medical costs and prescriptions. In addition, ensuring you've got the right level of coverage to help protect your vision can be essential if you or your family are likely to need regular visits to the eye doctor. At Health Plans of NC, we specialize in assisting residents throughout North Carolina. Our dedicated and experienced health insurance agents can talk you through some of the best vision insurance plans available to get you the coverage you need. 
HealthPlans of NC

Health Plans of NC, Kelly Quinn

View point of young families dancing at beach on ring around the rosy style - Lifestyle joy concept with mixed race people having fun moment holding hands
Short Term, Health, Affordable Care Act, Individual/Family

Child Only Health Insurance Coverage Options

As a parent, the right health insurance can provide peace of mind if your child becomes ill, experiences an injury, or requires urgent medical attention. Our agents at Health Plans of NC regularly help families find the right health insurance for their entire family, including recommendations for child-only health insurance.
HealthPlans of NC

Health Plans of NC, Kelly Quinn

Ready to get started?

See plans and pricing today.