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 Massachusetts
Massachusetts programs that fit what happened. Each agency decides who qualifies.
Department of Unemployment Assistance
Unemployment Insurance
Unemployment Insurance provides temporary payments to eligible workers who lose their jobs through no fault of their own.
Ways to apply:OnlinePhone
Department of Transitional Assistance
Supplemental Nutrition Assistance Program
SNAP helps eligible households pay for food each month.
Ways to apply:OnlinePhonePaperIn person
MassHealth
MassHealth
In Massachusetts, Medicaid is called MassHealth.
MassHealth provides health coverage to eligible Massachusetts residents.
Ways to apply:OnlinePhonePaperIn person
Massachusetts Health Connector
Massachusetts Health Connector
In Massachusetts, the health insurance marketplace is called Health Connector.
The Health Connector helps residents compare and enroll in private health and dental plans.
Ways to apply:OnlinePhonePaperIn person
MassHealth
MassHealth CHIP
In Massachusetts, CHIP is called MassHealth.
MassHealth covers eligible children and teens through the Children's Health Insurance Program.
Ways to apply:OnlinePhonePaperIn person
Executive Office of Housing and Livable Communities
RAFT
Also: State Public Housing and Rental Vouchers
RAFT provides short-term financial help to eligible households facing housing instability.
Ways to apply:OnlinePaperIn person
Executive Office of Housing and Livable Communities
Home Energy Assistance Program
In Massachusetts, LIHEAP is called HEAP.
HEAP helps eligible households pay heating bills and manage energy costs.
Ways to apply:OnlineIn person
Department of Transitional Assistance
Transitional Aid to Families with Dependent Children
In Massachusetts, TANF is called TAFDC.
TAFDC gives eligible families with children cash assistance and related supports.
Ways to apply:OnlinePhonePaperIn 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
- Mass 211
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