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Affordable Care Act: Partial Exchange, dental/vision via COBRA?
Old 10-31-2013, 11:07 AM   #1
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Join Date: Nov 2005
Posts: 337
Affordable Care Act: Partial Exchange, dental/vision via COBRA?

My COBRA eligibility runs out in December of 2014. I don't want a gap in coverage, or to play annual deductible games with a partial month of "medical" coverage. So I expect to get my 2014 "medical" policy through the exchanges on a calendar year basis.

However, for dental and vision, a gap in coverage is a good thing, since they have low annual limits, and I'll probably hit the limits before December anyway. It also looks like the dental plans on my state's exchange do not cover my dentist. So, this being my COBRA open-enrollment window, I'm thinking about dropping "medical" but electing dental and vision through COBRA.

Does anyone know if I can do that without disqualifying myself for the Affordable Care Act subsidies, or hitting any other gotchas?
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