My current job is a temp position, so I'm not eligible for any insurance benefits from the company. That's left me with the options of either seeking private insurance, or going on COBRA coverage through my former employer.
I chose both. That is, I've applied for private insurance, and while I'm waiting to find out if I've been accepted (six to eight weeks), I've begun paying for COBRA coverage.
Though I'm relatively young and healthy, private insurance is no sure thing. They ask for documentation of every time you've coughed since birth. I filled out 20 pages of application paperwork full of many, many stipulations. It seems as though they're just looking to find a "t" uncrossed somewhere and reject me.
With COBRA, I enjoy the privilege of continued medical and dental insurance (we don't want any insurance gaps - woooo!!!) at just three times the normal monthly premium. That's a pretty penney.
It's absurd that people without full-time employment actually pay more for health insurance than full-time workers do. Those who make less pay more - a bloody brilliant idea! It's like tax reform on prescription steroids, paid for out-of-pocket.
So when I hear political wrangling about insurance issues in the media, all I can think is, who will save me from this deadly, venomous COBRA?