Recommendations for health insurance to bridge the gap between jobs

Nov 21, 2022
4:33:44pm

XORCoug All-American

I need family health insurance - will likely only be for the month of December. Healthcare.gov quoted me over $1K/month, but there have to be better options than that.

Have any of you used a plan that you recommend?

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XORCoug

Previous username: Hass16
Bio page: XORCoug
Joined: Aug 13, 2009
Last login: Apr 24, 2024
Total posts: 3,947 (1 FO)

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Messages

Author

Time

Recommendations for health insurance to bridge the gap between jobs

XORCoug

11/21/22 4:33pm

I think you can go back and get cobra after the fact. I am not sure how

Baron

11/21/22 4:35pm

I can get Cobra, but it’s over $2K/month.

XORCoug

11/21/22 4:38pm

I am saying don't get COBRA unless something catastrophic happens. Like you can opt in after the fact I think.

Baron

11/21/22 4:39pm

This is what I would do. But you need to make the “election” on time to keep your COBRA option.

Cougar-Duck

11/21/22 4:52pm

You can buy it if you find you need it. Go without and if something comes you can buy it after the fact.

zonacougar

11/21/22 4:39pm

Right, so pay it after the fact only if you had a catastrophy. It’s retroactive for a certain time period.

FromCAtoUT

11/21/22 4:40pm

Got it - thanks.

XORCoug

11/21/22 4:42pm

If it is only a month or two I think you can go “without” and then use Cobra if you need it. Read the fine print

FromCAtoUT

11/21/22 4:37pm

As I understand it, this will work.

craigman

11/21/22 5:52pm

If I recall when I was in between jobs I had 30 days to decide to get Cobra

paulb

11/21/22 4:38pm

It's 60 days and it's retroactive

Mikey

11/21/22 4:45pm

You aren't going to get better than that quote. Anything cheaper is going to

rcbyufan

11/21/22 4:43pm

We used a Christian medical share for a summer once. IIRC it was competitive.

TailgateU

11/21/22 4:53pm

I just went into the Washington State Health Exchange between jobs and somehow

Zooropa

11/21/22 4:54pm

^Watch out for tax implications if you do this

rcbyufan

11/21/22 4:57pm

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