Forget about COBRA, it's never affordable. Buy health insurance yourself. If you leave your corporate job, that'll be a "qualifying" life event, although that's not too important since open enrollment is coming up in November.
Don't expect anything comparable to your employer's plan though. I pay about $300 a month for an HMO in California, and the deductible is $10k. It's basically catastrophic coverage.
For a while I had COBRA plans in the $500-$800 a month range for a family in New York State; I knew what my employers were paying and the COBRA rates didn't seem crazy.
The Obamacare exchange in New York is pretty good if you can get the subsidies.
On an individual market, it is almost axiomatic that the price difference between a high deductible and low deductible plan will be the amount of the deductible. It is a textbook case of adverse selection.
Comments
Forget about COBRA, it's never affordable. Buy health insurance yourself. If you leave your corporate job, that'll be a "qualifying" life event, although that's not too important since open enrollment is coming up in November.
Don't expect anything comparable to your employer's plan though. I pay about $300 a month for an HMO in California, and the deductible is $10k. It's basically catastrophic coverage.
For a while I had COBRA plans in the $500-$800 a month range for a family in New York State; I knew what my employers were paying and the COBRA rates didn't seem crazy.
The Obamacare exchange in New York is pretty good if you can get the subsidies.
On an individual market, it is almost axiomatic that the price difference between a high deductible and low deductible plan will be the amount of the deductible. It is a textbook case of adverse selection.