Vendaval
Posts: 10297
Joined: 1/15/2005
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Too true, tazzygirl,
Being unemployed often means trying to survive on unemployment insurance, savings, lowering costs, taking any job you can get, etc. If the company failed entirely/went bankrupt then even COBRA is not an option. So that leaves the Emergency Rooms.
COBRA is prohibitably expensive for the majority of people in these circumstances. A quick search led to the information in this report,
For Unemployed Americans, COBRA Simply Costs Too Much
Posted on 11 January 2009 by admin
"The goal behind COBRA was to make health insurance affordable for unemployed Americans.
Families USA has found though that this is not the case, as they compared the average monthly premium for family health insurance under COBRA to how much compensation an average unemployed American received.
They found that the average compensation is around $1,300 for an unemployed American, while the average monthly premiums for family health insurance coverage under COBRA is $1,000.
This leaves next to nothing for families to live off of, making COBRA simply too expensive.
Overall, only 25% of those who are actually eligible for COBRA sign up for it, mainly due to the high cost.
With 47 million Americans living without health insurance, this is not a positive sign."
http://smartabouthealth.net/curiosity/2009/01/11/for-unemployed-americans-cobra-simply-costs-too-much/
quote:
ORIGINAL: tazzygirl
just wait... and those people will be without insurance... more change.
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