COBRA... right. That's what I meant to write when I keyed in HIPPA earlier. NOT the same thing a'tall!

I was 57 when the HA came on, it was another 3-1/2 years before my career fell off the Recession cliff.

Losing COBRA benefits the years before I could get on Medicare cost me close to $60,000 so I understand Very Well what you're facing there.

Just as I moved out of Illinois at the end of 2013 ACA kicked in or I would have spent even more stuck with the high risk BCBS coverage that was so expensive for so many, many months.

Still, I'm closing on 76 now so all things considered I have to look back on it as "money well spent." And why I got back into bicycling for the obvious cardio benefits!