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.
Find My CoverageI 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.
The Blinco Audit
Uncover
Show me where you stand.
And I don't disappear.
After the audit, I stay in your corner. Annual reviews, life changes, open enrollment -- I'm a call away.
The Blinco Audit
- 1
Uncover
Show me where you stand.
- 2
Decode
Here's what it actually means.
- 3
Compare
Here's what else is available.
- 4
Protect
Here's what I recommend and exactly why.
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
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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.
Let's Talk