I have seen various posts that say that if you have an HMO and leave employment to go to another state where the HMO would be useless, that if the employer has a more standard plan they offer to employees that would give you benefits, COBRA requires the employer allow you to switch plans even if not a normal open enrollment period. However, I have never seen a cite to a statute or regulation that says this. Anyone have any idea where I can point the employer to? Thanks!