 [ Symptoms ] our cobra runs out for us on december 13 what do we do  my wife has a medical condition which i have been told will not be covered until january 1 do we try to find a policy that will cover the two of us or should we look for two policies    one for her and one for me i am 57 and she is 56 neither of us have health coverage via our employers [ Disease ] go right away onto healthcare gov to shop for a plan if you buy one by december 23rd it will take effect by the first of the year i realize it is not ideal but that is only about 2 weeks with a gap in coverage after that you will enjoy continued insurance coverage