I just accepted a new position at a different company. Awesome! But, I just had surgery (nothing too major) and hit the deductible on my HDHP. I’d like to keep my health insurance right now, since I don’t want to have to “start over” with my deductible. Not to mention, with all the post-op care that’s needed, changing insurance would generally be a big hassle. Also, the new company will only let me enroll in their healthcare plan after 1 month.
I know that COBRA protects against loss of health insurance due to job loss, but what about voluntarily leaving a job? How long can I stay on my current insurance, and do I have to accept my new employer’s insurance once it is offered to me?