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<blockquote data-quote="TorqPenderloin" data-source="post: 1332707" data-attributes="member: 211504"><p>Great question.</p><p></p><p>The easy answer would be to then go on my fiance's health insurance plan through work (though we work for the same company now).</p><p></p><p>If that weren't an option, here in the USA we also have another federal benefit referred to as C.O.B.R.A. If I were to lose my job, I would have the option to continue the same level of coverage I had with my employer at no more than 90% of the total premiums' cost (the part that my employer would normally pay). The cool thing about it is that it can be retroactively started within 60 days of losing my job meaning that I have 60 days to find a new job and wouldn't have to pay any money for 60 days unless I needed the insurance. I could also continue this coverage for up to 18 months if needed.</p><p></p><p>I actually used this benefit earlier this year when I changed jobs. I made sure I had extra insulin, test strips, etc just before I left my old company. I then took about 5 weeks off to travel before starting my new position. Fortunately, I didn't have any health expenses during that time, but if I did it would have cost me about $590/month to activate my COBRA benefit.</p><p></p><p>In layman's terms, if I lost my job, I could keep my health insurance for a year and half without finding a job. If I didn't find a job by then, I could potentially go on Medicaid (government benefit often for low income people)</p></blockquote><p></p>
[QUOTE="TorqPenderloin, post: 1332707, member: 211504"] Great question. The easy answer would be to then go on my fiance's health insurance plan through work (though we work for the same company now). If that weren't an option, here in the USA we also have another federal benefit referred to as C.O.B.R.A. If I were to lose my job, I would have the option to continue the same level of coverage I had with my employer at no more than 90% of the total premiums' cost (the part that my employer would normally pay). The cool thing about it is that it can be retroactively started within 60 days of losing my job meaning that I have 60 days to find a new job and wouldn't have to pay any money for 60 days unless I needed the insurance. I could also continue this coverage for up to 18 months if needed. I actually used this benefit earlier this year when I changed jobs. I made sure I had extra insulin, test strips, etc just before I left my old company. I then took about 5 weeks off to travel before starting my new position. Fortunately, I didn't have any health expenses during that time, but if I did it would have cost me about $590/month to activate my COBRA benefit. In layman's terms, if I lost my job, I could keep my health insurance for a year and half without finding a job. If I didn't find a job by then, I could potentially go on Medicaid (government benefit often for low income people) [/QUOTE]
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