GuidesHealth and wellbeing6 min read

Keep healthcare running through a disruption

Health disruptions rarely arrive alone. They usually arrive alongside a job change, a move, or a caregiving crisis.

Build a medication buffer

Aim for a rolling 30-day cushion on anything essential, and know the pharmacy rules that let you refill early.

Ask about 90-day fills and mail order for maintenance drugs
Keep a written list of drug names, doses, and prescribers
Note which medications need refrigeration and plan for outages

Keep records portable

Download rather than assume access. Portal access disappears when insurance or employment changes.

Immunization records for each family member
Recent labs, imaging reports, and specialist notes
Allergy list and chronic condition summary
Insurance cards, front and back

Know your coverage gap options

A job loss triggers a limited window to act. Learn the deadlines before you need them.

Employer continuation coverage and its deadline
Marketplace special enrollment after losing coverage
Public program eligibility if income drops

Name a medical decision maker

Pair this with the healthcare directive in your legal documents and make sure that person has a copy.

Common questions

How do I get a backup supply of prescriptions?

Ask your prescriber for a 90-day supply and refill as soon as insurance allows. Over a few cycles this naturally builds a cushion without paying out of pocket.

See where your household stands

The Household Resilience Check scores this dimension along with seven others in about five minutes.

Take the Household Resilience Check →