I Have COBRA and Finding it Difficult to Afford, but Open Enrollment is over. Can I drop my COBRA and Apply for Individual Coverage Outside of Open Enrollment?

No, voluntarily dropping your COBRA coverage or ceasing to pay your COBRA premiums will not trigger a special enrollment opportunity. You will have to wait until you exhaust your COBRA coverage or until the next Open Enrollment (whichever comes first) to sign up for other non-group coverage.