[Captian James F. Awesome]

And COBRA is prohibitively expensive for an unemployed person. I just don't think most people realize what employers but up for premiums. I was told that for me (28 years old, single, healthy) that it's $700 some a month. That's all COBRA does. It allows you to keep what you had, but pay all the cost. I just look at it this way. You spend you whole life working and paying premiums. Why shouldn't you be covered for those (hopefully) few months you spend between jobs for a reasonable cost. Yes, I know you could go to another cheap plan, or state care or something until you get another job, but there's waiting involved. You can't plan when you'll get sick.

Here's another fun question. What if your employer gave you the $700-$2000 a month they spent on premiums and let you put it in you pocket instead. Would you pay for the same plan you're on, or would yo skimp to some crappy plan that no person in thier right mind brag about being the "best in the world"