> So as long as you've either gotten the coverage below that age or had a job with a group plan at any point later in your life, and had no gaps in coverage sin

> So as long as you've either gotten the coverage below that age or had a job with a group plan at any point later in your life, and had no gaps in coverage since, you are fine. That's a whole lot of stipulations. I think it should just be reduced to the last 3 words. It's not "a whole lot of stipulations", it's the complement of "you've only decided to look for health insurance after you got sick."