If you are leaving your job during the 'Great Resignation,' consider these options for health insurance.

• If you are leaving your employer or planning to do so, these experts can provide you with the best advice on health insurance choices.
• Carolyn McClanahan, a certified financial planner, advised considering not only the cost of premiums, but also the cost of deductibles, copays, and any underlying health conditions when making a decision about insurance.
• Before deciding on coverage, people should consider the "3 D's," which include the doctors, the drugs, and the diagnostics, said Dr. Kyu Rhee, chief medical officer at Aetna CVS Health.

The number of workers who resigned from their jobs in November reached 4.5 million, according to the latest data from the U.S. Bureau of Labor Statistics, with both large organizations and small businesses experiencing an increase in resignation rates.

If you have recently left your employer or are planning to do so, you have several options to ensure you maintain health insurance coverage.

• You can maintain your job-based insurance policy under the federal Consolidated Omnibus Budget Reconciliation Act (COBRA), which enables you to continue coverage for approximately 18 months following your departure from your employer.
• You can purchase an ACA plan through a public exchange on the health insurance marketplace.
• If possible, switch to your spouse or partner's plan.

Carolyn McClanahan, a certified financial planner and founder of Life Planning Partners in Jacksonville, Fla., stated that the decision to choose between a spouse, ACA or COBRA is a three-pronged one.

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McClanahan, a member of the CNBC Financial Advisor Council, emphasized the importance of considering not only the cost of premiums, but also the cost of deductibles, copays, and any underlying health conditions when evaluating insurance options.

You can usually keep the same health-care providers with COBRA, but expect to pay more for coverage, as you may be required to pay the entire premium, up to 102% of the cost to the plan.

A government report indicates that most HealthCare.gov enrollees have deductibles below $1,000.

Before deciding on coverage, people should consider the "3 D's," which include the doctors, the drugs, and the diagnostics, said Dr. Kyu Rhee, a primary care physician and chief medical officer at Aetna CVS Health.

"Examine these exchanges to assess high-quality plans that match your providers in an affordable area for you and your family," he suggested.

Be cautious, as time may work against you if you are still undecided about which option to choose.

If you choose COBRA coverage, you may not be able to switch to an ACA plan until the next open enrollment season in the fall, McClanahan stated. The open enrollment season for 2022 ends on January 15, with coverage starting on February 1.

You may still be able to obtain an ACA plan if you miss the 2022 deadline, provided certain conditions are met. If you or anyone in your household lost job-based coverage or anticipates doing so, you may be eligible for a "special enrollment period." Visit healthcare.gov for more details.

If your COBRA coverage is running out or your COBRA costs change due to certain circumstances, you may also qualify for a special enrollment period to switch to an ACA plan. You may find a lower-cost plan that will let you keep the medical providers you want.

Sticking with COBRA

Do you want to continue with your COBRA coverage, or are you required to do so?

Michael Gibney, a CFP with Modera Wealth Management in Westwood, N.J., suggests an often-overlooked money-saving option for people in that situation.

If they have money available in their HSA, people can use it to pay for COBRA premiums after leaving an employer.

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