ody Q: I am covered through COBRA until 12/31/14. My ex-employer changed insurance on 1/1/14. I have not yet received a bill for my January 2014 coverage and am now in the January grace period. I have been calling and emailing my ex-employer since December 23, 2012 to get the new payment address and ID card. They are still stalling. What legal recourse do I have?