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Originally Posted by bluewater I am a healthy thirtysomething with no health issues and when I left my job last spring my COBRA costs were going to be nearly $400/month. Several years prior after leaving a different job, I actually elected to take COBRA and it cost me more than $300/month even then. I will never elect to take COBRA again unless I develop serious health problems and have no choice. |
My parents were planning a move to a different state. They had both left their jobs (my mother through redundency, my father through choice). My mother was the one carrying the insurance and decided to continue with COBRA as she has had some health issues, while my father had never been sick a day in his life. A few days after the check for the first month cleared he went into the hospital and was in ICU for over 30 days. Without the insurance they would be beyond ruined. It was $550/month well spent.
Everyone is different, of course, but when it happens it happens. Not every major illness comes on slowly, is age induced or is accident related. They suspect he picked up Legionnaires from cleaning the gutters while getting the house ready to show.
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