Are you in California or another state? I don't know about other states, but if you're in CA, your CPA is quite wrong. If you go on COBRA and use up both the 18 months of federal COBRA and the additional 18 months of CAL-COBRA, then you are entitled to a HIPAA guaranteed issue plan if you are declined for an underwritten plan. In fact you can apply for both simultaneously, and it's wise and customary to do just that.
I posted a couple of ca.gov links elsewhere in the comments with more information.
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Are you in California or another state? I don't know about other states, but if you're in CA, your CPA is quite wrong. If you go on COBRA and use up both the 18 months of federal COBRA and the additional 18 months of CAL-COBRA, then you are entitled to a HIPAA guaranteed issue plan if you are declined for an underwritten plan. In fact you can apply for both simultaneously, and it's wise and customary to do just that.
I posted a couple of ca.gov links elsewhere in the comments with more information.