How to Handle Severance When Your Health Insurance Runs Out

In this episode of The Layoff Podcast, Lucas and Luna tackle a high-stakes scenario that many laid-off workers face: the moment your severance ends and you're still uninsured. They break down the timeline of COBRA continuation coverage — why the 60-day election window is both a trap and a lifeline, how to estimate the true cost of COBRA versus a marketplace plan, and the one strategic delay that could save you thousands. Using the example of a mid-level manager who lost her job at a regional bank in early 2026, they walk through the real numbers: a $600-per-month COBRA premium, a $1,200 gap before ACA subsidies kick in, and the math on a short-term policy. They also cover what happens if you land a new job mid-month, the risk of a pre-existing condition exclusion, and why dental and vision are often not worth the paper they're printed on. Practical, specific, and grounded in the actual choices you'll face. #Severance #HealthInsurance #COBRA #JobLoss #Layoff #ACA #CareerTransition #CoverageGap #HealthCoverage #Benefits #Termination #Outplacement #InsuranceMath #60DayRule #MarketplacePlan #ShortTermInsurance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo