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If you’re laid off you can get COBRA coverage which will keep you on your employers plan for up to six months. You have to cover the entire premium out of pocke

• somehnguy 4y ago
  COBRA is OK in theory, but as you mentioned it is prohibitively expensive. During the gap between my last employer and current I opted to just take my chances for the month because the cost for even a single person was outrageous. I think that you can retroactively apply it if you do end up needing the insurance, but you'll be on the hook for the cost of the entire time period until you elected it. I could be wrong though, every person I talked to told me different things and it's extremely confusing to navigate. It's a pretty terrible system all in all, IMO.
  • Volundr 4y ago
    You have 60 days from termination to opt in and it applies retroactively, which is nice for changing jobs. You can have a couple months gap between the old insurance ending and your new stuff picking up and if something happens just opt in. Rougher if you don't already have that next job lined up though.
• lokar 4y ago
  In CA it’s 2 years, but few could afford it while employed let alone out of work