Hello, so I was recently laid off and therefore lost my health insurance coverage too. Through my employer I have the opportunity to continue benefits through COBRA, but my 60 days is coming to an end soon and its not necessarily cheap insurance when I have to pay the full amount. I still don't have a new job and trying to figure out what to do. I hope to have a new job soon, but unlikely before the 60 days ends.
My wife has a new job lined up, but her health insurance benefits won't start until about 3 months from when COBRA 60 day window ends, so at most we will need to cover a 3 month gap if I don't find a job even sooner.
It's just the two of us and we don't have any ongoing medical issues or visits, so we really just need this to cover us if something really bad and unexpected takes place.
Does anyone have recommendations for this? Just trying to do this in the most cost effective way as possible.
Also, I guess if I chose to not retroactively get COBRA we will have been uninsured for 60 days. Would there be an issue with having a gap in our insurance there? We are both relatively young and healthy without pre-existing conditions to be concerned with.
TL;DR : My wife and I need basic healthcare coverage for at most 3 months between jobs and don't want to spend more money on it than we have to. Also wondering if there's an issue/risks with gaps in insurance.
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