<prompt> Human: Im moving to a new company, and my benefits wont start till 101. My current company is telling me that I can just go without Health Insurance and if anything happens I can pay for COBRA and it will retroactively cover any medical costs. If, for example, I got hit by a bus over the next month while Im in between health insurance plans.Is this correctlegit? Should I pay for COBRA up front, or just pay for it if I need it later on?Edit: thanks everyone for confirming the above!  <response>: Pay for it if you need it. COBRA works for retroactive coverage. 