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COBRA
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<blockquote data-quote="Ricochet1a" data-source="post: 1119509" data-attributes="member: 22880"><p>When I got out in 2010, COBRA rates for former Express employees were quoted around $800-900 per month for a family. </p><p></p><p>I was able to find a much cheaper rate by going directly to an insurance provider and setting up a policy that way. It was short term catastrophic coverage only, but it fulfilled the need. </p><p></p><p>The only real advantage COBRA offers, is for those with some form of pre-existing condition for which they are incurring regular medical expenses - people in this category would find it nearly impossible to find insurance on their own that would be cheaper than COBRA (no one in my family had a pre-existing condition). </p><p></p><p>Given the changes taking place under Obamacare, I'd have to imagine that the costs of obtaining insurance on your own would have only INCREASED in the past couple of years. If I was getting out now, I'd imagine that I would've taken the COBRA option until I was covered under my new group employment plan.</p></blockquote><p></p>
[QUOTE="Ricochet1a, post: 1119509, member: 22880"] When I got out in 2010, COBRA rates for former Express employees were quoted around $800-900 per month for a family. I was able to find a much cheaper rate by going directly to an insurance provider and setting up a policy that way. It was short term catastrophic coverage only, but it fulfilled the need. The only real advantage COBRA offers, is for those with some form of pre-existing condition for which they are incurring regular medical expenses - people in this category would find it nearly impossible to find insurance on their own that would be cheaper than COBRA (no one in my family had a pre-existing condition). Given the changes taking place under Obamacare, I'd have to imagine that the costs of obtaining insurance on your own would have only INCREASED in the past couple of years. If I was getting out now, I'd imagine that I would've taken the COBRA option until I was covered under my new group employment plan. [/QUOTE]
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