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"Laid off workers who opt for temporary coverage under [COBRA] while they evaluate options under the [ACA] can't switch to Obamacare until the next open enrollment period in November.... Most people ... wait a month or more to get the COBRA notice and then make the decision.... What happens if you have medical costs during the gap period? ... If [a family] elects and pays for COBRA, those expenses will be covered retroactively. But if the family chooses Obamacare, they aren't. What's more, it takes at least three or four days after you apply for Obamacare for it to cover you[.]"
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