Any cheap alternatives for COBRA in case of job loss?? Looking for something not so expensive till I can find a new job since my current coverage won't cover me starting next month

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Do you think you will need to use healthcare right away, or just want insurance in case of something major happening?

There are tricks you can play with COBRA. You have something like 60 days to tell them if you want to keep the coverage, and another month or so to actually back pay all the premiums, so if you are healthy and don’t think you will be using much healthcare, you can potentially just roll the dice, tell them you want the coverage on the last day you’re allowed, and wait until the last day you can pay it before deciding whether or not to pay anything at all.

In the meantime you can search for an alternative and if you don’t need the retroactive coverage, just don’t pay the premiums and sign up for your new plan, either with your new employer or independently.

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ZS1 Yes this is very situation dependent, but people in consulting tend to skew towards the young and healthy, so it would work for a lot of people.

Obamacare. Can easily browse plans on healthsherpa

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What SM1 said. You can always gamble on the 30 days and then retroactively get cobra for a month. Did that once. Broke my ankle and ended up in the ER. Wrote that Cobra check happily.

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I did the same, but luckily did not have anything happen, and was on my new employer’s plan before the window expired, so I had “free” insurance for the entire gap period.

The only gotcha is that most doctors won’t serve you without valid insurance, and your policy will not look like it is valid to them until you pay, so you have to be ready to make the payment in case you end up needing it.

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Thank you guys..I will have it just in case..I guess the COBRA 60 days thing might be helpful in that case..and hopefully I don't have to use anything before I can find a new job

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