If I change jobs, can I take my employer coverage with me?
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How to Buy Health Insurance - Employees
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If I change jobs, can I take my employer coverage with me?
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eHealth, Inc. is the parent company of eHealthInsurance Services Inc., the leading online source of health insurance for individuals, families and small businesses. eHealthInsurance presents complex health insurance information in an objective, user-friendly format, enabling the research, analysis, comparison and purchase of health insurance products that best meet consumers' needs.
Licensed to market and sell health insurance in all 50 states and the District of Columbia, eHealthInsurance has developed partnerships with more than 160 health insurance companies, offering more than 7,000 health insurance products online.
The company's technology platform is able to communicate electronically with insurance carrier partners, which enables a simpler, more streamlined health insurance application process. This technical connection with the back-office processes of health insurance companies can facilitate rapid approval of applications and real-time communication between carrier and consumer throughout the process.
eHealthInsurance provides consumers with transparency of information about a broad array of health insurance plans with a selection of price and benefit options, complemented by a full-service Customer Care Center of highly trained customer service representatives. Available via a toll free number, online chat, email or fax, the Customer Care team answers consumer questions throughout the process of buying and using health insurance.
eHealthInsurance was founded in 1997 and its technology was responsible for the nation's first Internet-based sale of a health insurance policy. We are headquartered in Mountain View, California.
<span>The content provided by eHealthInsurance on this Website is for informational purposes only. This content is general in nature, and is not intended to be a substitute for advice from a licensed insurance agent. </span>
If I change jobs, can I take my employer coverage with me?
Senior Vice President of eHealthInsurance Bob Hurley explains employer-based coverage does not transfer to different jobs, but self-purchased insurance can.
Transcripts
Host: If I change jobs, can I take my employer coverage with me?
Bob Hurley: Most of us get our health insurance coverage from our employer. About roughly 60% of us get our health insurance coverage from our employer but the fact is actually, that number has declined over the last few years. It was as high as 67-68% as recently as the year 2000 and so the number of us getting our coverage through our employer is shrinking and in most cases, you cannot take your coverage with you when you leave your employer.
There are some extension of your existing coverage opportunities that are often referred to us as COBRA Coverage and COBRA Coverage is typically if you are a qualified employer, you can actually take your employer's sponsored health insurance plan with you for some period of time, usually 18 months and then the thought behind that is simply it gives you a bridge while you are looking for your new employer.
But not all employers qualify under COBRA and so you may not have any coverage when you leave your employer. You may lose your coverage and so that's one of the downsides frankly, to employer sponsored coverage or getting your coverage through your company.
When you buy your health insurance on your own you own it. It goes with you and so you can change jobs and you can keep your insurance coverage in place and then obviously, some of the benefits of that is you get to keep your doctors in place and you get to keep your pharmacist in place and you are going to continue to access the hospital that you are most familiar with.
So having your health insurance associated or tied to yourself can be very powerful when it comes to changing jobs.
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