Leaving Big 4 for industry, and I’ll have a two-month gap before my benefits and health insurance kicks in with the new company. Should I do COBRA or a short-term health insurance plan? I’m healthy and do not have any pre-existing conditions.

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Some insurance runs through the end of the month that you quit in. So try and quit on the first day of the month and then you might have insurance through the end of that month.

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You don’t need to sign up for cobra unless you need it. You can sign up and have it apply retroactively. Aka don’t pay for it unless you end up having expenses > the cobra cost

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Correct

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Thank you! My plan now is to not sign up for any additional health insurance, but if I run into any medical emergencies during my 60-day gap, I’ll use the retroactive clause of COBRA.

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COBRA - don’t have to commit to paying the premium till the end of 90 days. If you don’t use any services then, you can refuse COBRA after 90 days of unemployment. If you end up using it, you will owe the premium at the end of 90 days

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Thought it’s 60 days

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Does changing jobs not count as a qualifying life changing event?

Pretty sure it does

In the same boat was just going to apply for Obamacare

Didn’t the DOL say you’ll be covered? Or does this not apply to you?
https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/cobra-premium-assistance-under-arp.pdf

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