Filed under: Health

What is the impact of the COBRA Health Insurance after the Healthcare Reform? How does it affect people and how do they deal with it.

Well basically you still have the COBRA health insurance coverage you always had. You are not deprived of anything, There are certain areas where things get a little better. It’s a little complicated though. Basically, you get your COBRA coverage benefits for any year and a half. The health-care reform originally included coverage beyond that; but they couldn’t pass the law with this, and they cut it down to only 18 months.

Those who can afford to buy state government-sponsored insurance, should really do that right away. If you have COBRA health insurance on the independent open market, you are guaranteed coverage even with a pre-existing condition. But you need to make sure that you don’t let your COBRA expire before you go shopping. Or else, they could deny you coverage because of your pre-existing condition.

If you don’t have one, you’ll probably get a very good deal for being healthy and for being someone coming out of COBRA. The important thing here though is to make sure that you don’t let your COBRA health insurance expire before you go looking for an alternative.