Yeah, the penalty for ACA non-compliance is zero at this point, so I think they could just opt-out entirely without cost, right? I looked at it last year in te

Yeah, the penalty for ACA non-compliance is zero at this point, so I think they could just opt-out entirely without cost, right? I looked at it last year in terms of whether I'd need to pay for COBRA to cover the tax penalty and... nope. You can retroactively opt into COBRA for 90 days after the fact (iirc, check this yourself before using), so you can job hop and then if you happen to smash every bone in your body during that one week then just sign up for retroactive coverage.