Regarding Address employment-linked health insurance:
Selvoy Fillerup hit the nail on the head. When I was laid off in 2005, I was faced with trying to find healthcare fast because of existing conditions. I had to use COBRA for a few months, which was $1,000 a month for three of us. I did find individual insurance, but that went from a $600-per-month plan to $984 per month in two years. I had to drop coverage to a larger-deductible$3,000 a personand 70% payment plan. The bills are staggering, but paid. Now I am forced again to lower my benefits because my husbands businesshome constructionwent out of business. Since everything is regulated and the state agreed to the insurance company scare tactics about seven years ago, the insurance commissioners hands are tied on doing anything for individual insurance plans. Legislation to give the insurance commissioner more power to regulate individual insurance plans has failed multiple times because the insurance companies have the money and power to stop it.