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  #1  
Old 04-22-2009, 04:47 PM
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Join Date: Apr 2009
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COBRA or Not

What is the name of your state (only U.S. law)? California

I recently resigned from my job to start my own business. I have until end of next month to continue on COBRA. However, I am worried if I develop a pre-existing condition while on COBRA I will not be able to get individual health insurance later (COBRA is only for 18 months). Should I continue COBRA or look for my own insurance?

Thank you,

DomoLA
  #2  
Old 04-22-2009, 08:05 PM
cbg cbg is offline
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Join Date: Nov 2001
Location: Massachusetts
Posts: 23,599
Why do you think that it will be different if you get an individual policy now?
  #3  
Old 04-22-2009, 09:51 PM
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Join Date: Apr 2009
Posts: 2
Hi,

Oh I thought if I get an individual policy now it will cover me for more than the 18 months COBRA does. Am I wrong? I never had individual insurance so I do not know what is involved...do they evaluate you every year?

Thank you.
  #4  
Old 04-23-2009, 11:20 AM
cbg cbg is offline
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Join Date: Nov 2001
Location: Massachusetts
Posts: 23,599
Individual insurance will last as long as you pay the premiums.

Sorry, I misread your post. I thought you said you already had a pre-existing condition.

So what is it that makes you think you're going to develop a pre-existing condition within the next 18 months?
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