You also have 60 days from when your coverage ends to elect to enroll in COBRA, and for many plans coverage is retroactive to when your original coverage ended

You also have 60 days from when your coverage ends to elect to enroll in COBRA, and for many plans coverage is retroactive to when your original coverage ended (although you have to pay premiums retroactively, too). That gives you close to 3 months between intentional job changes where there is health insurance available if you need it, but you do not have to pay for it if you do not need it.