Cobra. But you have a good long period of time to decide if you really want to sign on (usually 3 months). Once you sign on to cobra your payments will be retroactive to the first day of the month after the month your insurance ended with your former employer (i.e. you left Feb 18th, your insurance typically covers through Feb 29th and Cobra starts March 1st). For me because of Cobra administrator was switched from one to another for my former employer, I got 5 months to decide if I want to make the payments. I held off the payments and found a better insurance through some local union in 4th month then I decided to sign up with that union (insurance started in month 5) and ditched cobra. The end result was we were covered month 1-4 through cobra but since no one got sick so I ended up not paying for it. Technically there was a gap from month 1-4 since there is no paper proof we were covered (no penalties as Trump has changed the law). This is legal and potentially can save you some money. Sign up for Cobra right away would have cost us 1.8K a month X 4. For dental I signed directly with Cigna. They will confirm with your previous dental insurance and waive any major dental work waiting period. VSP was pretty cheap but cobra was cheaper so I went with Cobra for vision only.
Good luck and also don't forget to sign up for unemployment on day 0. The worst they can do is to deny you but if you don't file you get $0 for each day you fail not file. You typically have to refile every week. (set up a reminder) $600(you do have to pay tax) a week pays some bills.
P.S. (edited for clarifications) notice insurance typically runs through the end of the month. Please pay very close attention to the dates on the letter from your Cobra administrator. Insurance helps reduce your cost *and* also guards against catastrophic scenarios so think twice before you decide to go without insurance.P.P.S try to negotiate with your former employer, some might be willing to provide 6 month free Cobra. Worst they can do is say no. (I got two week unused vacation paid even tho policy specifically spelled out that unused vacation will not be paid)
Dental insurance is not necessary at this point since you can pay regular cleaning using cash, it is less than $100 each time, cheaper than paying dental insurance premium on your own.
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多谢各位，好多朋友建议快转到配偶的保险，但我老婆去年就失业了，因为专业很偏，所以一直没有在州内找到合适的工作。现在全家零收入，全靠存款度日。为了不影响孩子的学习环境，先努力在附近找工作，实在不行可能就得搬家了。
一般单位会提供cobra，虽然比较贵，但至少能应急。尽快找到新工作为上。
Yes you can have Cobra for 18 months. But you will have to pay all the premium out of your own pocket.
family plan的话，在湾区之类的大城市，一个月差不多2千呢。
真希望经济的拐点快点到。
真sharp。看股市疯长工资不涨，有点担心。
印象中cobra很贵
真的到了拐点会比较bloody，这次的high tech bubble不小，再加上新冠，股市房市job market加上物价都不会好看的。。。
+1
Good luck and also don't forget to sign up for unemployment on day 0. The worst they can do is to deny you but if you don't file you get $0 for each day you fail not file. You typically have to refile every week. (set up a reminder) $600(you do have to pay tax) a week pays some bills.
P.S. (edited for clarifications) notice insurance typically runs through the end of the month. Please pay very close attention to the dates on the letter from your Cobra administrator. Insurance helps reduce your cost *and* also guards against catastrophic scenarios so think twice before you decide to go without insurance.P.P.S try to negotiate with your former employer, some might be willing to provide 6 month free Cobra. Worst they can do is say no. (I got two week unused vacation paid even tho policy specifically spelled out that unused vacation will not be paid)
苏联解体后，大家蹭美国的车幸福了近三十年，有一拨人的贪婪和野心破坏地球的秩序，动荡期就要开始了。
+1
当初我就是没有保险，单独给孩子买保险的。
如果没绿卡也能申请？到时会影响绿卡申请。
真瑟瑟发抖啊
Cobra可以retro买 但是只能保一个月还是两个月
还是贵，因为我们大部分人通过employment买到的保险有单位的福利补贴，把单位的补贴拿掉了，就肉疼了。我到现在为止，都还是只考虑从自己口袋里拿出的钱最少的那种plan，单位有高端的医疗保险。
人家的意思，有需要的时候可以补买。。。平安度过就不用花钱了呗。
Cobra很贵，不值得
会罚款，以前是几百，现在是$0。
赶紧给孩子申请chip这个医疗保险很快能下来。夫妻存款不是很多可以试试medicare,但存款有个1万多都难批下来，批不下来就选个200一个月左右的便宜些的商业保险。
看这儿，我们有过你这情况2个多月。孩子的CHIP是一定能马上批下来的，孩子有免费保险了，大人就不那么着急了，申请不到福利保险就买个便宜的商业保险，投简历找工作，很快时来运转的。我们后来找的工作收入快翻倍了
Obamacare 是不是有enrollment period的？
很有帮助！谢谢
cobra是给不差钱，怕麻烦的人设计的，一个月估计2k左右的费用
热，主要是孩子，chip cover孩子的所有医疗费用，大人年轻健康的话一年半载真是无所谓，以前没有保险的罚款也被川普废了，等找新工作再入保好了。这世道，家底不厚的话赶快找工作吧，总觉得最坏的还没来到。
不要买任何保险
其实收费也不是那么离谱
没有必要
联邦不罚，但是有的州还是要罚
没保险今年没有罚款么？
Cobra 确实是常规办法， 就是现在应该不便宜
我估计楼主有身份？