I'm not sure what you are trying to tell me. If it matters, I have direct personal experience with this. In 2020, I voluntarily ended employer group health co

I'm not sure what you are trying to tell me. If it matters, I have direct personal experience with this. In 2020, I voluntarily ended employer group health coverage, at the time of my choosing, because I knew that I could get subsidized coverage through CoveredCA, the California web site that serves both federal ACA (Obamacare), plus California's own version of the ACA (very similar to federal). Through the exchange, without a struggle, I received insurance comparable to what I had before, no questions asked about my existing health condition, with a subsidy to help pay. The best I could have hoped for previously would have been up to six months only of COBRA coverage, at 102% of my employer's cost, no subsidy. And if I chose to go without any coverage at all for a few months, in the past I would have had to divulge any pre-existing "conditions" as part of the application process.