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> I would still think you would want to avoid coverage gaps, unless the law definitely mandates retroactive coverage.

You do, but not for the reason you think. If you have a coverage gap of more than three months you'll see a fine added to your income tax at the end of the year, which for most people on HN would be 1% of household income above the filing threshold[1]

[1]: http://www.irs.gov/Affordable-Care-Act/Individuals-and-Famil...




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