Lost Your Job? You Have 60 Days to Get Health Insurance.
The clock is running. From the day your employer coverage ends, you have a 60-day Special Enrollment Period to get a marketplace health insurance plan - often at a fraction of what COBRA would cost. In South Carolina, COBRA for an individual averages $650-750/month. A comparable marketplace Silver plan with subsidies can be $100-300/month. I can get you enrolled in one phone call. Today.
I Know This Isn't What You Want to Think About Right Now
You're dealing with enough. The shock of the layoff, the logistics of severance and unemployment, the conversations with your family. But your health coverage has an expiration date. And that COBRA letter sitting on your kitchen counter - the one offering to continue your old plan at $1,800/month for a family - is not your only option. It's usually not even your best option. I make this fast. 55% of the people who call me about job-loss coverage are enrolled by the end of that same phone call.
Compare Your Options
| Feature | COBRA | ACA Marketplace Recommended |
|---|---|---|
| Monthly cost (individual) | $650-$750 | $100-$300 with subsidy |
| Monthly cost (family) | $1,500-$2,200 | $300-$600 with subsidy |
| Subsidy eligible | No | Yes |
| Same doctors | Yes (same plan) | Depends on network |
| Coverage start | Retroactive to loss date | 1st of next month |
| Duration | 18 months max | Until next OE or life event |
| Best when | Mid-treatment, met deductible | Most situations |
COBRA vs ACA Marketplace After Job Loss in SC (2026)
COBRA
- Monthly cost (individual)
- $650-$750
- Monthly cost (family)
- $1,500-$2,200
- Subsidy eligible
- No
- Same doctors
- Yes (same plan)
- Coverage start
- Retroactive to loss date
- Duration
- 18 months max
- Best when
- Mid-treatment, met deductible
ACA Marketplace
Recommended- Monthly cost (individual)
- $100-$300 with subsidy
- Monthly cost (family)
- $300-$600 with subsidy
- Subsidy eligible
- Yes
- Same doctors
- Depends on network
- Coverage start
- 1st of next month
- Duration
- Until next OE or life event
- Best when
- Most situations
The Blinco Audit
Uncover
Show me where you stand.
I start by reviewing every policy you currently have -- health, dental, vision, life, supplemental. I look at what you are paying, what is actually covered, and where the gaps are. Most people have no idea what their deductible actually means until they need it. I make sure you do.
Decode
Here's what it actually means.
Insurance documents are written to confuse you. I translate the jargon into plain English. I show you exactly what your plan covers, what it does not, and where you are exposed. No surprises at the doctor's office.
Compare
Here's what else is available.
I pull options from every carrier I work with and compare them side by side. Not just premiums -- networks, formularies, out-of-pocket maximums, the details that actually matter when you need care.
Protect
Here's what I recommend and exactly why.
I give you a clear recommendation with real numbers. You will know exactly what you are getting, what it costs, and why it is the right fit for your situation. No pressure, no sales tactics -- just the facts.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away. Your coverage needs evolve, and so does my advice.
The Blinco Audit
- 1
Uncover
Show me where you stand.
I start by reviewing every policy you currently have -- health, dental, vision, life, supplemental. I look at what you are paying, what is actually covered, and where the gaps are. Most people have no idea what their deductible actually means until they need it. I make sure you do.
- 2
Decode
Here's what it actually means.
Insurance documents are written to confuse you. I translate the jargon into plain English. I show you exactly what your plan covers, what it does not, and where you are exposed. No surprises at the doctor's office.
- 3
Compare
Here's what else is available.
I pull options from every carrier I work with and compare them side by side. Not just premiums -- networks, formularies, out-of-pocket maximums, the details that actually matter when you need care.
- 4
Protect
Here's what I recommend and exactly why.
I give you a clear recommendation with real numbers. You will know exactly what you are getting, what it costs, and why it is the right fit for your situation. No pressure, no sales tactics -- just the facts.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away.
See Where You Stand
Not sure if your situation qualifies for enrollment outside the normal window? Answer three quick questions and find out immediately. Job loss, COBRA expiration, relocation, and divorce are all qualifying events - but the deadlines are different for each.
In the last 60 days, did any of these happen?
Select all that apply.
What Clients Say
Placeholder testimonial for this avatar.
What You Need to Know
This is a complex topic, and the details matter for your specific situation. I've written a detailed guide on the page for each sub-topic below. For a personalized walkthrough, the fastest path is a conversation.
Frequently Asked Questions
If you call me today, we can enroll today. Coverage typically starts the first of the following month.
Sometimes - if you've already met your deductible, you're mid-treatment, or you're mid-pregnancy. But even then, I run the marketplace comparison first because COBRA is 3-4x more expensive in most cases.
You'll need to wait for Open Enrollment (November 1 - January 15) unless you have another qualifying life event. In the meantime, I can explore short-term options to bridge the gap.
Call Me. Right Now.
You have a deadline. I have the answer. One phone call. I'll compare COBRA to every marketplace plan in your county, check your subsidy, verify your doctors, and get you enrolled. Most people finish in 15-20 minutes.