I'm a foreign national living in the US on a J2 visa with an EAD (work permit).
My visa expired this Monday, and with it my employment and insurance coverage. I received a COBRA Notice of Rights statement, saying my coverage will end on Nov 30, and I can apply for COBRA in the next 45 days.
I'm leaving back to my home country mid-December, so will only need to be insured for two weeks. The monthly cost for both my wife and I will be $1219, and there's no way to pay for only two weeks.
This may be a dumb question, but since I have 45 days to apply, what happens if I don't apply immediately but end up needing the coverage in those two weeks? I'm trying to see if there's a way to only pay if and when I actually need it, which I probably won't.
Is this too risky / stupid?
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