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Pro
Cobra you can wing it without insurance and then if you need it you can retro activate Cobra by paying the back premiums starting with date you didn’t have coverage.
Chief
It’s 60 days
Cobra
Chief
The nice thing about COBRA eligibility is that it’s retroactive for 60 days. You can literally just not sign up, and if you don’t use it then no harm no foul but if you find you need it you can sign up and it starts on the day after you left your previous employer.
You don’t need to buy it and have coverage in place in advance like you do for pretty much every other kind of insurance, as long as you opt in within 60 days.
Anyone saying don’t get sick is an idiot.
When in Covid, there are people trying to go to crowds vs people who try to avoid crowds. And AVP. You are an idiot and probably doing pretty bad at your job.
Im probably the lone wolf here, but can you just not be insured for a few months?
Try not to get sick
Try not to get sick. Go to urgent care if needed. They charge like $100 for cash clients
Enthusiast
Can you live remotely? Maybe travel medical insurance? Medical tourism depending on where you live? Medi-cal if you have no income?
No get a short term policy that renews monthly. I did that when I was personal training. It was $65 a month.
At some point you are going to have to fill out a form that says you didn't have health coverage in the US and you are going to pay that as a penalty in taxes.
So Cobra, or state plan, or payout some portion of it anyway.
You will find out how Cadillac your plan was if something does go wrong and you are not on it. Medical debt is for real. If something goes wrong you'll be filing Chapter 7 or 13 to get rid of it... and that will f you up for a long time.
Enthusiast
@Crowe you’re correct. That penalty went away