Can someone explain how COBRA health insurance works if I live in Chicago and just lost my job, and is it really retroactive to my layoff date?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can someone explain how COBRA health insurance works if I live in Chicago and just lost my job, and is it really retroactive to my layoff date?
3 real searches · 1 real-search pass
U.S. Department of Labor COBRA retroactive coverage 60 days election 45 days first payment loss of employment 2026Google ↗
OBSERVEDConsequence
Illinois continuation coverage state mini COBRA fewer than 20 employees Illinois Department of Insurance continuation health insuranceGoogle ↗
OBSERVEDComparison
HealthCare.gov loss job based coverage special enrollment period 60 days COBRA alternativesGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
U.S. Department of Labor COBRA retroactive coverage 60 days election 45 days first payment loss of employment 2026 Google ↗
Illinois continuation coverage state mini COBRA fewer than 20 employees Illinois Department of Insurance continuation health insurance Google ↗
HealthCare.gov loss job based coverage special enrollment period 60 days COBRA alternatives Google ↗
- A Worker’s Guide to Health Benefits Under COBRA · dol.gov
- FAQs on COBRA Continuation Health Coverage for Workers · dol.gov
- FAQs on COBRA Continuation Health Coverage for Workers · dol.gov
- Get Covered Illinois · getcovered.illinois.gov
- What if I lose job-based health insurance? · help.getcovered.illinois.gov
- See Your Options If You Lose Job-Based Health Insurance · healthcare.gov
- Illinois Medicaid application · abe.illinois.gov
- Protecting Retirement and Health Benefits after Job Loss · dol.gov
- COBRA Continuation Coverage Questions and Answers · cms.gov
- Understanding COBRA Job Aid May 2026 · cms.gov
- FAQs on COBRA Continuation Health Coverage for Employers and Advisers · dol.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
U.S. Department of Labor COBRA retroactive coverage 60 days election 45 days first payment loss of employment 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Illinois continuation coverage state mini COBRA fewer than 20 employees Illinois Department of Insurance continuation health insurance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
HealthCare.gov loss job based coverage special enrollment period 60 days COBRA alternatives OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |