回复 1楼 River0return 的帖子 I had two-month gap of medical insurance when changing my job. In case you need the insurance within 60 days after you lose your insurance, just sign up the cobra right away. The cobra insurance will cover you from the first day you lose the insurance (attached to your job). You can search more info. about this Cobra "loop hole" in reddit. Hopefully you do not need it.
Clearrill 发表于 2024-12-11 18:34 回复 1楼 River0return 的帖子 I had two-month gap of medical insurance when changing my job. In case you need the insurance within 60 days after you lose your insurance, just sign up the cobra right away. The cobra insurance will cover you from the first day you lose the insurance (attached to your job). You can search more info. about this Cobra "loop hole" in reddit. Hopefully you do not need it.
能和公司协商一下给6个月免费Cobra吗？ Cobra is retroactive but usually within 30 days. If you want to cut down on the cost, try Cobra but choose HDHP, at least you can have a HSA and premium is relatively low. Unless you plan to retire, don't go with Obama care because once you are reemployed, your income will cause the state subsidy to be crawedback when you file your tax for 2025.
From ChatGPT, not necessary accurate, but still... No, COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage does not cover healthcare costs incurred before the date you elect to purchase COBRA health insurance. COBRA allows individuals to continue their employer-sponsored health insurance for a limited time (typically 18 or 36 months) after certain qualifying events, like job loss, reduction in work hours, or other life changes. However, for the coverage to begin, you must elect COBRA and pay the premiums. The coverage starts only after you've elected it and made the necessary payments. If you incur medical expenses during the period between your loss of coverage and your COBRA election, those expenses would not be covered by COBRA. You may want to check if you're eligible for a Special Enrollment Period for other insurance options if you are between coverage periods.
说的是，学会一句，别人没必把你当人
obamacare
回国机票比cobra 两个月贵
I had two-month gap of medical insurance when changing my job. In case you need the insurance within 60 days after you lose your insurance, just sign up the cobra right away. The cobra insurance will cover you from the first day you lose the insurance (attached to your job). You can search more info. about this Cobra "loop hole" in reddit. Hopefully you do not need it.
谢谢，我就害怕如果60天内有医疗支出，哪怕我立马sign up，cobra 不包。真的美帝这种医疗保险和想开人就开人无比无情
补齐还好，我怕它据保enroll 之前的。希望60天内找到工作吧，不然负担太重了，美帝该死的医保
在cobra enrollment window 里的时候（好像有两个月），随时可以再回过头去买，现买现用，没必要提前买
那买之前的医疗开支会不会据保呢
好像Obamacare也有enrollment window的，楼主两边都了解下吧。
我上一次换工作是无缝衔接的，但前公司保险好，我还特意买了一个月的cobra，当时仔细研究过，cobra只要续上，保险是不算中断的，从termination开始就算cobra，钱后面再交没事。
Cobra 来得及。 我以前换工作， 新工作要六十天才能有保险， 我就没买cobra， 准备有问题再买， 能cover 从没保险开始。
不买。等新工作赶紧入职。
如果你没孩子，裸奔就行了，如果看病就cash
是的。比如保费2000每月，在职时公司出了1600，自己出400，被裁后就得自己出所有的2000了
cobra只能选你原来的plan,并不能换一个新的
ACA，全款也比Cobra便宜
而且如果明年可以找到工作，ACA全款也没有几个月
如果明年3月底前能找到工作，就不需要买保险了
1）公司保险到月底
2）然后60天之内可以elect Cobra
3）30天 grace period付款，这时有Cobra保险
4）然后不付premium，Cobra自动消失，切换到新公司的医疗保险
5）加州百姓有3个月医保gap，没有罚款
好详细，Mark
这个我也听说
不会
而且很贵啊，但是08有六十天的时间才可以买，我还以为失业就可以
Health insurance一直用我spouse的所以自己重来没有单独买过
没有配偶
不要吧？干这个有收入，可能比失业保险还多，那么如果正常报的话unemployment就拿不到了。伤车伤身体。不如在家养着或者去周游世界去。
当然你也可以瞒着不报，愣说没有其他工作，应该混过去的机会也挺高的。
我记得当年Cobra 2500一个月， 神经病。 我都失业了哪来的钱。 Obamacare 也不便宜， 最便宜的好像600一个月， deductible 大大好几千。 也是神经病
如果有一大堆severance pay ACA就比Cobra贵很多。
ACA is funded by federal government. Trump 上台以后可能funding 会被砍，包括Obama care，这些未必长期可靠。
No, COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage does not cover healthcare costs incurred before the date you elect to purchase COBRA health insurance. COBRA allows individuals to continue their employer-sponsored health insurance for a limited time (typically 18 or 36 months) after certain qualifying events, like job loss, reduction in work hours, or other life changes. However, for the coverage to begin, you must elect COBRA and pay the premiums. The coverage starts only after you've elected it and made the necessary payments. If you incur medical expenses during the period between your loss of coverage and your COBRA election, those expenses would not be covered by COBRA. You may want to check if you're eligible for a Special Enrollment Period for other insurance options if you are between coverage periods.
我也会这么做。或者加入配偶plan
是的，我有次做检查还是有保险的状态下，我看到家庭医生向保险收八百多，医生和我很熟，我就问他，他说其实他每次只能收到七十块，难怪医生喜欢收付现金的，简单还不用和保险打交道