Earlier quoted context omitted.
At least in CA, if you opt out of COBRA, you can't opt back in later.
Hum. In IL and IN you have either 45 or 60 days to accept or decline coverage (don’t quote me on exact number, do the research). It made the optimal short term insurance policy to be: Don’t fill out cobra paperwork to day 59 If not sick or total bills less than 2 months cobra payments, decline cobra. If sick and total bills > 2 months cobra payments, decide to accept coverage. Used this for like 5 job hops. Never had…
This is the kind of mental gymnastics that would be completely avoided if we had even the most basic of universal coverage.