this post was submitted on 01 Nov 2023
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Cobra might as well not even exist for most people.
The two layoffs I've been through, Cobra was offered as an option and in both cases it was wildly unaffordable. Like...I couldn't have afforded it even if I still had the job I had just lost, let alone while unemployed.
In both cases I just basically only had the option to cross my fingers and hope I didn't need healthcare while letting it lapse completely until I found a new job. Thankfully in the first case I was only unemployed about 3 weeks, but the other time, it was about 6 months.
What eventually came through for me was my state's version of Medicaid in that situation. Basically it was only available to people earning less than XYZ, but any funds you received as aid from the state didn't count toward that, meaning that unemployment was exempt and as such, my income was zero. Of course there was like an 8 week waiting period and then it took several more weeks for all the paperwork to go through, but eventually it did kick in.