Should I use my emergency fund to pay for COBRA premiums or take the risk with a cheaper catastrophic health plan right now?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Should I use my emergency fund to pay for COBRA premiums or take the risk with a cheaper catastrophic health plan right now?
3 real searches · 1 real-search pass
2026 New Jersey COBRA continuation coverage cost 102 percent ACA special enrollment loss of coverage catastrophic plan eligibility officialGoogle ↗
OBSERVEDConsequence
HealthCare.gov catastrophic health plans eligibility under 30 hardship exemption 2026 special enrollment period loss coverageGoogle ↗
OBSERVEDConsequence
New Jersey Get Covered NJ loss of health coverage special enrollment 2026 subsidies officialGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 1 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 New Jersey COBRA continuation coverage cost 102 percent ACA special enrollment loss of coverage catastrophic plan eligibility official Google ↗
HealthCare.gov catastrophic health plans eligibility under 30 hardship exemption 2026 special enrollment period loss coverage Google ↗
New Jersey Get Covered NJ loss of health coverage special enrollment 2026 subsidies official Google ↗
- GetCoveredNJ · nj.gov
- GetCoveredNJ · nj.gov
- Get Covered New Jersey · nj.gov
- Exemptions to get a Catastrophic plan · healthcare.gov
- Exemption types & forms · healthcare.gov
- Getting health coverage outside Open Enrollment · healthcare.gov
- COBRA Continuation Coverage · cms.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 New Jersey COBRA continuation coverage cost 102 percent ACA special enrollment loss of coverage catastrophic plan eligibility official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
HealthCare.gov catastrophic health plans eligibility under 30 hardship exemption 2026 special enrollment period loss coverage OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
New Jersey Get Covered NJ loss of health coverage special enrollment 2026 subsidies official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |