A midwestern correspondent writes: I'm starting a new full-time job next month, and I'm really excited about it. But my new college has a 60 day waiting period between my start date and when I actually receive health insurance. I'm grateful for the job, of course, but I don't understand the 60 days. Do you know why I have to pay for COBRA for two months into a new job? First, congratulations on the job! In this year's market, that's particularly great news!