Hopefully someone out there can answer this for me. I recently completed my training, and my new health benefits do not start for 90 days (crappy I know). In order to protect myself, and prevent the "lapse of coverage" that might preclude future pre-existing conditions, I have elected to get COBRA. Congress passed the ARRA to reduce COBRA premiums for eligible applicants. Are we eligible? Has anyone asked their benefits office? It would shave several hundred dollars/month off my preimium. Does the completion of residency/fellowship constitute an "involuntary termination of employment"? What is everyone else doing?