Lost a job
What to do first
- Apply for unemployment benefits with your state right away.
- Check your health coverage. You may be able to keep your job's plan, or you can pick a new one.
- If money for food or rent is short, apply for food benefits and ask about rent help.
- Get free help looking for work at an American Job Center.
Talk it through
Tell us more about what happened. We answer first, then show the programs that fit, then ask a few questions to narrow it down.
Dates that matter
These windows are set by federal rules. Your state may have its own dates too, so ask the agency.
60 days
Health coverage
Losing your job's health plan lets you sign up for a Marketplace plan. You have 60 days after the plan ends.
Source: HealthCare.govAt least 60 days
Keeping your job's health plan (COBRA)
If your old job's plan offers COBRA, you have at least 60 days to choose it. The time starts when you get the notice or when your coverage ends, whichever is later. COBRA covers most employers with 20 or more workers.
Source: DOL.gov
Help from New York
New York programs that fit what happened. Each agency decides who qualifies.
New York State Department of Labor
Unemployment Insurance
Unemployment Insurance provides temporary income to eligible workers who lose work through no fault of their own.
Ways to apply:OnlinePhone
New York State Office of Temporary and Disability Assistance
Supplemental Nutrition Assistance Program
SNAP provides monthly food benefits to eligible households.
Ways to apply:OnlinePhonePaperIn person
New York State Department of Health
Medicaid
Medicaid provides free or low-cost health coverage to eligible New Yorkers.
Ways to apply:OnlinePhonePaperIn person
New York State Department of Health
New York State of Health Marketplace
In New York, the health insurance marketplace is called NY State of Health.
NY State of Health lets residents compare and enroll in private health plans and public coverage.
Ways to apply:OnlinePhonePaperIn person
New York State Department of Health
Child Health Plus
In New York, CHIP is called Child Health Plus.
Child Health Plus provides free or low-cost health coverage to eligible children.
Ways to apply:OnlinePhonePaperIn person
New York State Homes and Community Renewal
Rental Assistance and Homelessness Prevention
HCR offers housing programs and resources that may help renters facing housing costs or instability.
New York State Office of Temporary and Disability Assistance
Home Energy Assistance Program
In New York, LIHEAP is called HEAP.
HEAP helps eligible households pay heating and cooling costs.
Ways to apply:OnlinePaperIn person
New York State Office of Temporary and Disability Assistance
Temporary Assistance
In New York, TANF is called Family Assistance and Safety Net Assistance.
Temporary Assistance provides cash help to eligible families and adults with little income.
Ways to apply:OnlinePaperIn person
Checked on October 8, 2026
Federal help
These work the same in every state. Each agency decides who qualifies.
CareerOneStop.org
Help finding work
American Job Centers help with job search, resumes and training, for free. Find the one near you on CareerOneStop, from the U.S. Department of Labor.
Federal Communications Commission
Lifeline phone and internet discount
A monthly discount on phone or internet service for households with low income or who get benefits like SNAP, Medicaid or SSI.
Check if you qualify and apply on the National Verifier, then pick a phone or internet company that offers Lifeline.
Checked on October 9, 2026
Help near you
Find county and state offices near you, or call 211 to talk to someone about help in your area.
Talk to a person
- 211 New York
Free help finding food, housing, bills and more near you.
Call 211 - 988 Suicide and Crisis Lifeline
Call or text 988 if you are in crisis or worried about someone. Any time.
Call 988Text 988