Thank you for the information. It was very helpful, particularly the website you referenced.

If you wouldn't mind, I have one question pertaining to the cancellation. (And I'm sorry if it is already apparent in your original response.)

If I'm locked in at X amount (credits, deductible, etc.) for insurance on January 1, and then I get a job at the end of January (effectively negative those credits + increasing deductible, etc.) and report that extra income to my provider, will I be able to cancel my insurance at the end of the month and not have to pay the next month's premium? I haven't had health insurance in a long time, so I'm not as knowledgeable as I'd like to be on how plans work.

Thank you.