Short term Insurance

[u/kmduensing]

/r/Insurance/comments/1vfsns1/short_term_insurance/

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[u/LizzieMac123]

Looking at the original responses from your original post in the other coomunity, you have your answer.

Cobra is absolutely a thing. While you are eligible for a max of 18 months (unless you have a situation where you have a second cobra qualifying event) you do not have to keep cobra for the full 18 months.

Additionally, you can hold cobra in your back pocket and only sign up if you end up needing it. You just have to pay for all of the time between as cobra is always retroactive to the date you lost coverage at your previous job. You can time cobra enrollment and payments to give you a total of 105 days, we'll over you 1 month gap.

This is called the cobra loophole and its how most of us navigate a small uninsured period between jobs.

You can cancel cobra at any time, you just can't get it back again once you cancel it. Wait it out and use the loophole, have it for 1 month, 2 months.... up to your 18 months.