It's more complex than that. For instance, I was on student health insurance which (a) jumped substantially in price and (b) required upfront payment of 12 mon

It's more complex than that. For instance, I was on student health insurance which (a) jumped substantially in price and (b) required upfront payment of 12 months of premiums, with no possibility of reimbursement if something better coming along. Since I'm expecting things to be significantly cheaper under the new regime, I've taken interim insurance, which ends (i.e., product will no longer exist) on January 1. It's been a huge hassle, and it will be an even bigger one if I can't arrange ongoing coverage after that.