Belated welcome. Glad you finally got around to that first post ..
Originally Posted by vessmech
Our plan is to use her medical plan to COBRA for 18 months and near the end of that term for her to rehire to the same company for a short period of time (months?) to be eligible for their private insurance. Once again COBRA for 18 months....rinse and repeat to get her to Medicare age.
Does anyone see any issues with this approach? Seems like a simple way to bridge the medical coverage gap if the ACA is not an option.
This sounds feasible. AFAIK COBRA has no 'minimum employment term", so as soon as she's met her employer eligibility for healthcare coverage, she's once again eligible for new COBRA coverage.
Your DW also has the ACA as her fallback Plan B. If anything goes wrong with the job / COBRA approach she can sign up for a marketplace plan. There are eligibility requirements when signing up for ACA outside of open enrollment, so if she does lose her coverage during the year just make sure she signs up within the deadlines.