ody ody Q: I was laid-off in Aug’12. At that time, I signed up for Cobra and used it for a few months. I also was nervous that at the end of Cobra I would need subsequent insurance, so I applied for Kaiser. Initially, I was declined by Kaiser, then after I appealed, they accepted me. So, though I was going to pay more with Kaiser, I wanted to ensure that I had coverage for the long term, so I migrated. Now, because of ACA, my rates are skyrocketing(+90%) and I no longer run risk of not having coverage. So, can I go back to Cobra, either Fed or California, to reduce my increased costs?