There was no gap for mine. My coverage shows the regional plan that ended on my resignation date then new AA plan that started on the very next day (AA indoc day 1). I didn’t have to mess with any kind of cobra. Seamless transition.

Not sure on out of pocket deductibles if they start over, can’t tell because I didn’t use my old plan at all for the year before the swap to AA. Used it immediately after transfer and it worked no problem though. Call your provider and ask Im sure they could tell you, I kept the same provider. I would assume most flows do.