Husband started a new job. The company was evasive when asked about their insurance. They said they offered insurance and even at one point said it was at no cost to the insured and fairly low rates for dependents. After a month I had him ask what company it was so I could start seeing who was in network in the area. They were evasive and said they were still “shopping around.” After 90 days, they give him an application for something called COSE insurance with no packet explaining what the benefits are and a lengthy questionnaire asking for private health info on all dependents and insured person. They are saying this is insurance but it seems like it is something else and there isn’t much to read about on Google. All available info is for employers to read about how this will save them money. Anyone ever see anything like this?