COBRA advice

My husband was on cobra for almost 2 years.  For him, it was the exact same insurance.  Same company, same coverage.  The only difference is you pay the entire premium instead of your company paying for part of it.  It sounds like a big deal, like you're changing insurance, but you're not.  I would imagine keeping what you already have is less expensive than trying to find something new with a pre-existing condition, but you still might double check.

My husband was on cobra for almost 2 years.  For him, it was the exact same insurance.  Same company, same coverage.  The only difference is you pay the entire premium instead of your company paying for part of it.  It sounds like a big deal, like you're changing insurance, but you're not.  I would imagine keeping what you already have is less expensive than trying to find something new with a pre-existing condition, but you still might double check.

My husband was on cobra for almost 2 years.  For him, it was the exact same insurance.  Same company, same coverage.  The only difference is you pay the entire premium instead of your company paying for part of it.  It sounds like a big deal, like you're changing insurance, but you're not.  I would imagine keeping what you already have is less expensive than trying to find something new with a pre-existing condition, but you still might double check.

My DIL just went through this.   She was changing jobs, and her insurance didn't kick in for 60 days. COBRA was ridiculously expensive, and so was being put on my son's insurance for that period of time.  They bought a catastrophic coverage short-term policy which cost them very little.  It does not comply with the ACA, but no penalties apply as long as you become covered with a better policy (the group policy from the new job) within 90 days.   Pre-existing conditions won't keep you from being denied private insurance, although it might change the price.  One other thing you might check — some companies keep you on their insurance rolls through the end of your resignation month.  If that is the case, you might need coverage for less time than you think.

Good luck!

My DIL just went through this.   She was changing jobs, and her insurance didn't kick in for 60 days. COBRA was ridiculously expensive, and so was being put on my son's insurance for that period of time.  They bought a catastrophic coverage short-term policy which cost them very little.  It does not comply with the ACA, but no penalties apply as long as you become covered with a better policy (the group policy from the new job) within 90 days.   Pre-existing conditions won't keep you from being denied private insurance, although it might change the price.  One other thing you might check — some companies keep you on their insurance rolls through the end of your resignation month.  If that is the case, you might need coverage for less time than you think.

Good luck!

My DIL just went through this.   She was changing jobs, and her insurance didn't kick in for 60 days. COBRA was ridiculously expensive, and so was being put on my son's insurance for that period of time.  They bought a catastrophic coverage short-term policy which cost them very little.  It does not comply with the ACA, but no penalties apply as long as you become covered with a better policy (the group policy from the new job) within 90 days.   Pre-existing conditions won't keep you from being denied private insurance, although it might change the price.  One other thing you might check — some companies keep you on their insurance rolls through the end of your resignation month.  If that is the case, you might need coverage for less time than you think.

Good luck!