After leaving a job in the US, employer health coverage usually ends on the final workday or at that month’s end, depending on company policy.
Quitting, layoffs, and most firings typically follow the same timing, so checking an employment contract, supervisor, or HR team can prevent costly coverage gaps.
Continuation coverage can keep an existing plan for up to 18 mo, but former workers usually pay the full premium without subsidy help.
Other options include marketplace plans, short-term coverage, a spouse's plan, a parent's plan before 26, or government programs for qualifying households as well.
Some employers may extend premium help through severance or retiree benefits, so comparing every option before choosing new coverage can reduce disruption.
