re: Cobra insurance vs waiting

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I believe you can only get individual plans on the open market during open enrollment.

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There is an exception for change of employment.

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Insurance that qualifies for the minimum essential coverage under the ACA cannot be purchased year-round. Instead, one can only buy individual health insurance during an open enrollment period or if there is a qualifying life event or change in employment.

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OP may be able to find short term gap insurance of some sort.

Haven't had this issue in some time, last time I switched, there was no gap, switched mid month, one day Company A, next Company B. A's insurance ran through end of month, B's picked up 1st of next month. Previous time was pre ACA. Had the 90 day Cobra fall back then(that is older than ACA), Just waited it out ready to sign up if needed