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Strategies & Market Trends : The Residential Real Estate Crash Index
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To: alanrs who wrote (113179)3/27/2008 11:24:05 PM
From: GraceZRead Replies (2) of 306849
 
I tried to tell my sister that employer health insurance was a trap years ago. I pay for my own and that of my husband because I've always been self-employed. He can get employer insurance but I don't want our insurance tied to an outfit that might not be there in five to ten years. Our health insurance is not attached to any job and it's cheaper and has better coverage than almost any employer plans I've investigated.

She said she would be nuts to turn the employer health insurance down as a perk of her husband's employ, I said they could negotiate a raise in pay to make up for it because even if he didn't know what he was paying his employer sure knew. Then they could buy a plan like I had.

Long story short, he loses his fat paycheck IT job, they can't afford the COBRA (it was three times what I was currently paying for my self employed policy) and now she's an uninsurable and uninsured 58 year old smoker. The future for her is grim even with health insurance but it's slightly worse with no insurance. She can't even get a job that provides insurance because no one wants a 58 year old smoker on their policy. It doesn't help that she can't make it through a 15 minute interview without breaking down into a coughing hacking fit.
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