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Losing job-based health insurance before 65? Your options in Florida, Georgia and Texas

By Ankur Mehta, licensed independent insurance agent in Florida, Georgia and Texas · Updated October 28, 2026

Option 1: An ACA Marketplace plan

Losing job-based coverage is a qualifying life event. You can usually enroll in a Marketplace plan within 60 days before or after your coverage ends. Florida and Texas residents use HealthCare.gov. Georgia residents use Georgia Access. If your household income for 2027 is between 100% and 400% of the federal poverty level, a tax credit can lower your premium.

Option 2: COBRA

COBRA lets you keep your employer’s plan, usually for up to 18 months, but you pay the full premium plus a small fee. It can make sense if you’ve met your deductible or are in the middle of treatment. Choosing COBRA doesn’t stop you from switching to a Marketplace plan later during Open Enrollment, but voluntarily dropping COBRA midyear usually isn’t a qualifying event, so compare costs before you decide.

Option 3: A spouse’s employer plan

Losing your coverage usually lets you join a spouse’s job-based plan midyear. Ask their HR department about the deadline, often 30 days.

Option 4: Medicaid or CHIP

Florida, Georgia and Texas haven’t fully expanded Medicaid, so many adults don’t qualify. Children often qualify for Medicaid or CHIP at higher incomes than adults. Applications are accepted year-round.

Don’t miss the 60-day window

If you miss it, you may have to wait for Open Enrollment (November 1 to January 15) and go without coverage. Call me as soon as you know your coverage is ending, and I’ll compare these options with you for free.