That's a good point. The optimal strategy, not knowing the future but assuming the most likely outcome is for nothing terrible to occur, is to buy no insurance

That's a good point. The optimal strategy, not knowing the future but assuming the most likely outcome is for nothing terrible to occur, is to buy no insurance for just under 2 months, and then buy COBRA (if something occurred and you need to retroactively cover it), or then buy an individual plan (to have basic coverage going forward).