Why are my COBRA continuation coverage costs triple what I was paying while employed, and can I drop it today to switch to a cheaper short term plan without a gap in care?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why are my COBRA continuation coverage costs triple what I was paying while employed, and can I drop it today to switch to a cheaper short term plan without a gap in care?
4 real searches · 1 real-search pass
2026 COBRA voluntarily terminate coverage special enrollment period Marketplace official healthcare.govGoogle ↗
OBSERVEDOther / navigational
New York short term limited duration health insurance prohibited official DFSGoogle ↗
OBSERVEDConsequence
New York State of Health open enrollment 2027 dates officialGoogle ↗
OBSERVEDYes / no
COBRA premium 102 percent employer contribution official Department of LaborGoogle ↗
OBSERVEDShort fact
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 (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
2026 COBRA voluntarily terminate coverage special enrollment period Marketplace official healthcare.gov Google ↗
New York short term limited duration health insurance prohibited official DFS Google ↗
New York State of Health open enrollment 2027 dates official Google ↗
COBRA premium 102 percent employer contribution official Department of Labor Google ↗
- New York State of Health · nystateofhealth.ny.gov
- I’m enrolled in COBRA, but I want to drop it. Does that affect my eligibility for Marketplace subsidies? · kff.org
- FAQs on COBRA Continuation Health Coverage for Workers · dol.gov
- Insurance Circular Letter No. 7 (2018): Prohibition on Short-Term Limited Duration Plans · dfs.ny.gov
- DFS Takes Action to Ensure a Continued Healthy and Competitive 2019 New York Health Insurance Market Despite Continued Wrongful Federal Attacks on the Affordable Care Act · dfs.ny.gov
- NY State of Health · nystateofhealth.ny.gov
- New York State of Health | Health Plan Marketplace for Individual and Small Business Health Insurance · nystateofhealth.ny.gov
- Marketplace ::Individual & Families:: · nystateofhealth.ny.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 COBRA voluntarily terminate coverage special enrollment period Marketplace official healthcare.gov OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
New York short term limited duration health insurance prohibited official DFS OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
New York State of Health open enrollment 2027 dates official OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 | |
COBRA premium 102 percent employer contribution official Department of Labor OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |