ACA special enrolment + paid Cobra

Hello please let me know if i misunderstood any of the rules or options related to the cobra, aca special enrollment interaction or anything else useful i overlooked.

Unsure about – do i get to choose how long to enroll for COBRA or is the maximum 18 months the only choice? How long is the special enrollment period from loss of coverage (last day of last month of employment – April 30 i think)

my company offered to pay 2 months cobra premium. My understanding is the aca special enrollment is allowed for losing healthcare coverage due to losing employment coverage. However non-payment of cobra premium (3 months from now) is not a valid special enrollment condition. So is there any way to accept the paid months of cobra and then switch to an ACA plan that i missed?

Otherwise these are my options: Aetna choice ii 2 months paid + HDHP Cobra premium 750 x 6 = $4500 Deductible 3600, OOPM 7600

Cheapest bronze plan premium ~ $275/mo x 8 = $$2200 Deductible 3600 OOPM 9000 (I understand the network will probably be terrible etc)

Take 2 months paid cobra, be uninsured for six months until 2025 open Enrollment

I'm fairly healthy and mostly looking to cover disaster insurance.

submitted by /u/No_Cover_290
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