Your employer has to offer you COBRA. COBRA will be the same coverage you currently have with your employer, but you are paying 102% of the cost instead with the employer that were hovering around 50% of the price. Your next option if you do not take COBRA is you have 60 days to sign up at no cost or penalty for an ACA plan from healthcare.gov. Your third option would be to review options on short-term plans or Fixed benefit plans, and finally, your forth is to do nothing. The last two options might effect if you have a pay a shared responsibility penalty when you file taxes the next year.