I recently lost my job and have decided to start up my own business. I am trying to decide right now whether to take my Cobra plan on go on my husband’s insurance. Either way I go is my portion of the premiums deductible as a business expense? What about portions of services not covered and prescription costs?

Once I leave my current job, I am interested in getting COBRA coverage. Is there a certain time I have to have the companies group health coverage in force before I pay for the COBRA coverage?

I have been at my job for 2 and a half years and both my boss, his wife and son have health insurance through their business at a group rate and all three are employees, but they have not offered it to any of my coworkers or myself. Is this against health insurance policies, to recieve a group rate but not pay for other employee portions or even offer if they want it?

For example, a few years back I lost my job and therefore elected for COBRA coverage to continue my health insurance. I am beginning graduate school in the fall, and the college will automatically enroll me in their health insurance package for the two years that I am there. Can I get COBRA coverage when that ends?

Thanks!
George S – do you know if they can deny a person for pre-existing conditions? Or do they take everyone?

My Husband and I want to start a Small Rental Bussiness. It would be me and him and two workers, Can we get Group insurance. Also does it cover pre-exciting conditions. (that me I have scolisois) Also Can he still have his regular job. Is because we want to star off first and as we make money he can quit his job.

Husband is not working due to a disability. Cobra received check on time, but did not apply it because she wrote wrong date on it. Company did not contact her about mistake.
BTW…Jeff, She has a job. He’s the one who is disabled and needs medical services.

Thinking of quitting my job, so I’d have to start paying for Cobra, but I already know there’s a very good chance my company will switch from Blue Cross to some random healthcare insurance company on October 1. I am pretty close to our HR Manager and she said that this one insurance carrier she has in mind would require all employees to fill out health questionnaires before they accept our firm as a client, so they can assess the level of risk they’d be taking by insuring us, so they know how high they should set our premiums . If I’ve already quit my job and I am out of state or out of the country, how can I continue to get Cobra? I can’t ask our HR Manager this question because she would then guess I’m thinking of leaving and I don’t intend on giving more than 2 weeks’ notice. Thanks.

I am in my two week period between jobs and I was wondering how I go about getting COBRA coverage. I will have nearly two months until my new insurance picks up. Do I talk to my current employer or is there another way I am supposed to do this? My last day at the current job is next Tuesday and I am pretty stressed over this.

I quit my job and I can continue with a decent health insurance plan for my family under COBRA, or I can switch to an individual plan. Being over 50, my wife is supposed to have over 0 of routine tests in a year, otherwise she’s pretty healthy. My son and I are in pretty good health. Any payments we make would be deducted from my wife’s salary before taxes. Our marginal income tax rate, including state tax, is about 19%. Would we be better off with low deductible and high premiums or the reverse? The COBRA plan is fairly low deductible and high premiums.
Question got messed up, should say, "is high-deductible or low-deductible better?"

Thanks,
Houyhnhnm
My reply to Insuranceguytx–yes I can pay ,000 out-of-pocket for major problems. If I can recoup it in a reasonable period with lower premiums, I’d take that chance.

I was fired from my job in October and my health insurance coverage will expire at the end of the month. My company had fewer than 20 employees. Is there a way I can maintain coverage? I understand that COBRA does not apply with companies that have fewer than 20 employees.