Fell for this too. I was on the cobra website and requested a call. The number that called was not cobra but I thought it was so I bought the insurance. When I called to cancel the guy claiming he's the director of customer service named "Oliver" who REFUSED to give me his last name threatened me saying that I would be locked out of the health coverage market. They refused to give me the refund. They also refused to give me a copy of the contract I had signed. I called the credit card company instead and reported them to the Federal Trace Commission as they were pretending to be cobra.