As you experience life, health coverage changes. When you take a new job, what’s the best time to give notice so benefits don’t lapse? How can you beat the cost of COBRA?

If you accept a new position and your last day falls at the beginning of a month, insurance coverage generally lasts through that month. Keep updated on vaccines, preventative screenings and physicals to stay well and lessen medical stress.

A QLE constitutes a change such as marriage, divorce, childbirth, adoption, turning 26 years old on parent coverage, geographic moves, and losing current eligibility. A QLE may be a student attending college, seasonal workers, gaining citizenship, AmeriCorp service or other events detailed at healthcare.gov.

In a QLE, you’re eligible to extend benefits through COBRA. When you work for an employer with 20 or more employees, you can obtain continuation coverage and pay the entire premium. Marketplace plans may yield comprehensive coverage at less cost. The Affordable Care Act (ACA) increased options for the uninsured.

People are often surprised that choosing insurance from the exchange or marketplace is less expensive, especially with the help of a broker, who may alert to subsidies that defray costs.

Authorized insurance brokers help you choose health plans; they also aid administratively if you encounter problems. There’s no fee when you use an authorized........

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