Alternative Health Plan Options in Denton, Frisco, Corinth

Losing a job is stressful, and losing your health insurance at the same time can add an overwhelming layer of uncertainty. In Texas, where many people rely on employer-sponsored health plans, a layoff often means finding alternative coverage fast. Fortunately whether you live in Denton, Frisco or elsewhere, there are several health insurance options available to help you stay protected while you get back on your feet.

• COBRA Continuation Coverage

If your employer had 20 or more employees, you may qualify for COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage. This allows you to continue the same health insurance plan you had while employed for up to 18 months.

Pros:

• Keeps the same network of doctors and coverage.

• Immediate continuity with no gap in care.

Cons:

• You pay the full premium—your portion and the employer's—plus a 2% administrative fee.

• Can be very expensive without employer contributions.

• Medicaid (Limited Eligibility in Texas)

Texas has not expanded Medicaid under the ACA, so eligibility is very restricted. However, it may still be available if:

• You're pregnant.

• You’re a parent with very low income.

• You’re elderly or disabled.

Pros:

• No or very low cost.

• Comprehensive coverage.

Cons:

• Income thresholds are extremely low.

• Most unemployed adults without dependents won't qualify.

• Short-Term Health Insurance

Short-term plans are designed to provide temporary coverage for unexpected medical events. These plans are widely available in Texas and can cover gaps between jobs.

Pros:

• Fast approval—often same-day.

• Lower premiums than ACA plans (though with fewer benefits).

Cons:

• Doesn’t cover pre-existing conditions.

• Limited benefits (may not cover prescriptions, maternity, or mental health).

• Not a long-term solution.

Alternative Health Plan Options For People In Texas Who Have Been Laid Off 

If you've been laid off in Texas, losing your health insurance doesn’t mean losing access to care. It’s important to act quickly—many programs and plans have strict enrollment windows after job loss. Begin by assessing your current health needs, your budget, and any subsidies or special programs you might qualify for. Whether you opt for COBRA, ACA coverage, or an alternative like short-term insurance, having some coverage is almost always better than going without.

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