<prompt> Human: Hey all. So as the title says, I very recently accepted a job offer at another company. The insurance wont kick in until 31 days after my start date. Do you all have suggestions on whether it is better to do COBRA or go through healthcare.gov?I am not planning on taking off any time between jobs, so my last day at my current job will be on a Friday and I will start the new job on the following Monday.I had a coworker who recently found another job and he passed along the COBRA info. For my family medical plan, it will cost 1,211 a month. The deductible is 2800 and I am still 2500 from reaching it. Looking at Healthcare.gov, it looks like plans range from 267 to 936 a month.Any thoughts on this would be a great help!Assistant: COBRA is retroactive. You could wait to see if you need it.Human: That is what I was thinking. It is like taking a gamble, isnt it? Take the cheaper plan through Healthcare.gov and be covered from the start. Or try to go without, but end up having to pay more if I do need to use COBRA.  <response>: Unless you get cancer or hit by a car, chances are that it will be cheaper to pay out of pocket or put off anything you dont need for 31 days. 