I believe I have until Feb. 15th to grab a Healthcare.gov insurance plan under the current enrollment window. I want to switch from my old Blue Cross HSA plan because I can get substantially the same coverage for about half of what I'm currently paying. (I may go non-HSA for this year at least, since I hardly contributed to the thing anyway). My Blue Cross premium will auto-debit, I think, on the 14th. So can I assume that it makes sense to perform the switch right now, pay the initial (smaller) premium on the new policy, and then immediately cancel the BCBS plan? Or is that too tight a sequence of events to count on?