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My H and I will be uninsured July 1st. His COBRA payment would be $2000 A month.

He has already applied for jobs that have health care but I'm sure that will take a while.

Does anyone have advice in the mean time?

We have so many decisions to make coming at us all at once. I am overwhelmed with everything. I refilled all our prescriptions that I was able to.

I am afraid to go without insurance because a few years ago I was hospitalized for over a week with no warning.

Thank you!!

Go to the marketplace and see if there are any options for you in your area that are cheaper than the COBRA.

You may find a high deductible plan that will get you through until he has new insurance. I would encourage to get 90 days worth of meds most employers have a at minimum a 30 day wait to start insurance, some are even up to 90 days.

Thanks Tush. Most of our prescriptions won't let us refill. Maybe because they were originally written for a 30 day supply?

I might be able to come off of mine. One shouldn't be a problem the other one I have to ask about. He needs two of his and should take the third.

Call your Dr and ask about a 90 day supply. Also ask about samples and assistance programs if the meds are name brand expensive meds.
You may find if they are run of the mill stuff that Good Rx may even be cheaper than your insurance plan. But please don't just stop meds. Never a good idea. At least without discussing it with your provider.

Thanks!! I didn't know if Good RX was something legitimate to look into.

Good RX is definitely legit.
You may also want to shop your Rx with different pharmacies. Some are significantly cheaper than others

When I have been let go I have always called my dr and Rx plan and asked for the 90 day refills.
Also, I went on Covered California for a year and it was pretty reasonable compared to COBRA - especially when unemployed.
So definitely check out the marketplace— and usually there are people who are experts you can call and talk to, which given how complicated medical insurance is will be helpful.

Also if you have a FSA, make sure you use that up before the deadline.

Thanks BB.

What is FSA?

Flexible Spending Account— it’s one of those use it or lose it accounts where the tax-free contributions can only be used for medical costs (including a fair number of OTC type things). Not every employer offers them and they are voluntary to participate in. But generally when you leave a company you have to use the money or you forfeit it.

Ok, thanks!! He doesn't have that. Sadly his insurance was amazing and cost us almost nothing. We didn't have to pay for it, had no deductibles and very low copays. I am lost trying to navigate the market place insurance. Either I am really dumb or very stressed.

Thanks for your help.

It’s complicated- you’re not dumb. There should be folks you can call to help you navigate it.