Nope. Employer-provided insurance plans often have blackout dates.
If you quit your job on June 2, and start your new job on June 3, your new job's health insurance might not actually take effect for up to 30, 60, or even 90 days after your start date.
To cover that gap period, you either have to switch to a new plan with your old employer (commonly called COBRA) at ridiculous high rates nobody can afford, or you have to get temporary blackout insurance coverage (which cover nothing at all, and are almost identical to having no insurance).
In America, to switch jobs once, requires three concurrent interactions with three different health insurance plans, simultaneously. (Your old employer plan, your intermediate temporary plan/COBRA, and your new employer's plan). For obvious reasons, this is incredibly error prone, risky, and fraught with stress.
> Is the argument that switching insurance plans is stressful?
Yes! Literally every single interaction with every single health insurance provider is painful and stressful and complicated and intentionally obfuscated, for absolutely no valid reason whatsoever.
As I painfully found out, transitioning between jobs also requires competent HR people on both ends. Our insurance was accidentally terminated a week early so our claim was denied and we got a massive bill. Not only do you have to then deal with the insurance company but you have to deal with your previous employer to fix the situation.
This doesn’t even cover pre-existing conditions. So, if you are on medication for high blood pressure, or have diabetes, or are just one of the 55 percent of Americans who take prescription drugs... you are out of luck.
That these plans are even legal is a monumental failure of the American system.
Nope. Employer-provided insurance plans often have blackout dates.
If you quit your job on June 2, and start your new job on June 3, your new job's health insurance might not actually take effect for up to 30, 60, or even 90 days after your start date.
To cover that gap period, you either have to switch to a new plan with your old employer (commonly called COBRA) at ridiculous high rates nobody can afford, or you have to get temporary blackout insurance coverage (which cover nothing at all, and are almost identical to having no insurance).
This need is so common, that most insurance companies have special advertising just for it (like https://www.priorityhealth.com/individual-family-health-insu... for example).
In America, to switch jobs once, requires three concurrent interactions with three different health insurance plans, simultaneously. (Your old employer plan, your intermediate temporary plan/COBRA, and your new employer's plan). For obvious reasons, this is incredibly error prone, risky, and fraught with stress.
> Is the argument that switching insurance plans is stressful?
Yes! Literally every single interaction with every single health insurance provider is painful and stressful and complicated and intentionally obfuscated, for absolutely no valid reason whatsoever.