3-minute checkup
Lost Your Job? Three Minutes to a Starting Plan
Six questions, no keyboard except the state. The result is not a verdict — it is the order to do things in, so the deadlines stop competing for your attention.
Step 1 of 6
Which state do you live in?
The state decides the Medicaid limit, the marketplace and the SNAP rules.
Choose a state to continue.
It takes about three minutes and asks only what changes the answer: state, household size, timing, coverage, income and whether children are involved.
What it does not ask — and does not need — is your name, address, Social Security number or the name of your former employer. Nothing is sent anywhere; the calculation runs in this browser.
What each path leads to
- Health coverage — the four options with cost, deadline and what each one protects.
- Unemployment — a range from your own wages and the link to your state's calculator.
- Family benefits — WIC, school meals and coverage for children, organized by age.
- The subsidy cliff — what crossing 400% of poverty costs before the year ends.
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By Alyssa Xu, Founder & Editor.
Reviewed by Gavin YE, Technical Director, ClearRules Labs.
Page last reviewed 2026-10-20