What rights do I have if I lose access to my employer group health insurance coverage?

A job change, a job loss, and divorce are some of the reasons that you could lose your group health insurance. Most people are able to retain their insurance through COBRA, or the Consolidated Omnibus Budget Reconciliation Act. However, not all employers utilize COBRA, thus not everyone is covered. Some states have alternative continuation-of-coverage options. Additionally, the Affordable Care Act has now made it possible for individuals to obtain their own healthcare coverage, so losing your employer-sponsored insurance does not mean that you will necessarily go without insurance until you receive benefits through your next job.