{"id":2563,"date":"2018-03-28T09:27:39","date_gmt":"2018-03-28T13:27:39","guid":{"rendered":"http:\/\/lifeinsurance-orleans.ca\/Life-Insurance-Blog\/cobra_details_and_alternatives\/"},"modified":"2018-03-28T09:27:39","modified_gmt":"2018-03-28T13:27:39","slug":"cobra_details_and_alternatives","status":"publish","type":"post","link":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/2018\/03\/28\/cobra_details_and_alternatives\/","title":{"rendered":"Cobra details and alternatives."},"content":{"rendered":"<div>\n<div>My husband is an LTE who is eligible for health coverage in August. Currently we are covered through my work but I am switching jobs and my new job (starting May 21) does not have an option for coverage. So if I leave my current job in May, we will need short term insurance until August. <\/p>\n<p>Someone told me employers have to cover you for any month you are employed in, and that COBRA starts the following month. Since I work about 30 hrs at my original job I&#8217;m wondering if it will be worth trying to work both jobs until the end of the following pay period which ends June 2. <\/p>\n<p>I estimated COBRA will cost my husband $1400\/mo, even though it&#8217;s great coverage (no deductable) that is still a lot to pay each month. <\/p>\n<p>I have read that other gap insurances are somehow scams and don&#8217;t count as coverage in terms of incurring a tax penalty for not being insured the full year. <\/p>\n<p>I don&#8217;t trust my HR department so any advice would be appreciated. Reading federal regulations is always a bit confusing for me. <\/p>\n<\/p><\/div>\n<p>   submitted by    \/u\/Squashpi  <br \/>[visit reddit]   [comments]<\/div>\n<p><a href=\"http:\/\/lifeinsurance-orleans.ca\/Life-Insurance-Blog\/\">Life Insurance Blog<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>My husband is an LTE who is eligible for health coverage in August. Currently we are covered through my work but I am switching jobs and my new job (starting May 21) does not&#46;&#46;&#46;<\/p>\n","protected":false},"author":221,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[],"tags":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts\/2563"}],"collection":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/users\/221"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/comments?post=2563"}],"version-history":[{"count":0,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts\/2563\/revisions"}],"wp:attachment":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/media?parent=2563"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/categories?post=2563"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/tags?post=2563"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}