I recently lost my job and now I'm trying to figure out my health insurance options. My former employer is offering COBRA with subsidies for the first 6 months, from August 2026 to January 2027. However, I'm confused about how the payment works. The COBRA election form from WEX states that I need to pay the full initial premium to become fully enrolled. I'm not sure if this premium will be subsidized by my employer or if it comes out of my pocket. I’m worried because I might not be able to afford the initial premium, especially after the subsidies end. I've been hesitant to make a decision, and I really need clarity on whether I’ll be reimbursed for those payments or if I have to pay upfront. Any advice on how to approach my former employer or WEX for more information would be appreciated.