Question: I am currently on Cal COBRA and it will go until July 2014. The plan renews in May 2014. At that point I expect the rates to go up, would that be considered a qualifying event that would allow me to enroll at that time? Are the qualifying events off and on the exchange the same?
Answer: You can keep COBRA coverage until it expires in July and would then qualify for a Special Enrollment Period extending 60 days from that date. If you drop COBRA coverage between April and June you will have to wait until the next open enrollment period starting October 15, 2014 to enroll in an individual health plan either in-exchange or off-exchange..