You have 60 days from termination to opt in and it applies retroactively, which is nice for changing jobs. You can have a couple months gap between the old insu

You have 60 days from termination to opt in and it applies retroactively, which is nice for changing jobs. You can have a couple months gap between the old insurance ending and your new stuff picking up and if something happens just opt in. Rougher if you don't already have that next job lined up though.