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Can an insurance company refuse me later if I don't take COBRA?
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Q:  I was told that if you do not take COBRA insurance, then another insurance company can refuse to cover you later, or cover pre-existing conditions. Is this true?

A:   If you have an insurance lapse of more than 63 days your new employer's group health plan can put a waiting period or limitations on pre-existing condition however, they can not refuse to insure you.  If you apply for an individual policy that is not through an employer, they can have waiting periods for pre-existing conditions or decline your application because of your health history. 
Official COBRA Insurance Website
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