Health Insurance for Gaps Between Jobs

Losing your health insurance during a job change, contract break, or employer waiting period is stressful—but you have options. True North Associates specializes in fast, practical solutions to help you stay protected until your next coverage starts. Whether you need a plan for a month or several, we’ll compare COBRA, Marketplace, and private alternatives so you can make a confident, cost-effective decision.

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Your Options: Fast Paths to Bridge the Gap

Most people only hear about COBRA and Marketplace plans, but you may qualify for other fast-start options—like short-term health insurance or indemnity coverage. We guide you step by step: review your end/start dates, factor in prescriptions or travel, and choose a plan that keeps you covered with no surprise lapses. Our independent approach means you get honest pros and cons for every option, not just the default.

How We Help: Step-by-Step Guidance

Coverage That Starts When You Need It

We coordinate plan timing so you’re never left uninsured. Whether your new job’s benefits have a waiting period or your contract ended suddenly, we get you protected—fast.

Compare COBRA vs. Alternatives

COBRA can be expensive, but sometimes it’s the best move. We give you a side-by-side breakdown of all costs, networks, and rules—so you don’t overpay or risk gaps.

Avoid Accidental Gaps

Health insurance rules can be tricky—miss a deadline and you could lose months of coverage. We help you enroll on time, avoid common mistakes, and plan transitions so nothing falls through the cracks.

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What to Prepare

  • Start and end dates for both old and new coverage
  • Medications and doctors you need covered
  • Travel plans or urgent needs
  • Budget for monthly premiums and out-of-pocket costs



Bring these to your call and we’ll do the rest.

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Your Questions, Answered

  • What do I do for health insurance between jobs?

    Depending on your situation, options include COBRA, Marketplace special enrollment, or fast-start private coverage like short-term health plans. We’ll help you choose based on your timing, budget, and health needs.

  • Is COBRA worth it or are there cheaper options?

    COBRA is comprehensive but costly. Sometimes a private or short-term plan is better, especially for a brief gap. We’ll compare all options and explain the trade-offs so you can make the smartest choice.

  • Can I get health insurance immediately?

    Yes. Many private and short-term plans can start in just a day or two. We help you find and enroll in a plan that meets your needs without delay.

  • What happens if my coverage lapses?

    A gap in coverage can lead to big bills if you get sick or injured. Our goal is to prevent that by planning transitions carefully and making sure you’re never left unprotected.

Close the Gap with Expert Guidance

Don’t risk being uninsured—let’s build a bridge between jobs that keeps you and your family safe. Book a fast comparison, get clear next steps, and move into your new role with peace of mind.