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[quote=Anonymous][quote=Anonymous]Thanks, everyone. Unfortunately, we can't afford to live close to my job, in part because it would turn my husband's commute into hell. We live in MoCo and I work in Northern VA. He works in MD, east of the District. We tried to find a part of MoCo that optimized both of our commutes as much as possible. We don't have outlandish expenses; we live in a 2-bedroom condo, take 1 vacation a year and cook during the week.

Unfortunately, no one in my agency can telework because we work in a classified environment. I do a job that can only be done with a TS//SCI clearance. I could switch to the private sector, but I worry the hours would only be worse, given what I do (the equivalent of my job in the private sector would be risk consulting).

My husband makes good money ($160k plus bonus and stock options) but as you all know, this area is just too freaking expensive. Also, we really can't afford to not have insurance that covers his medication. He takes medication that costs $5,000/month without insurance. I really worry anything we got through COBRA or an exchange wouldn't cover his medication.  [/quote]

You need to do a little more research on insurance. The situation isn’t as dire as you think.

COBRA is your employer’s insurance. You just pay the premium. So anything covered by his employer-based plan is covered under COBRA.

And you can get an exchange policy that covers expensive medicines. I looked at a silver plan that covered my Orencia (sticker price $12,000/month; negotiated rate $5,000, I would pay $25). I ended up not buying off the exchange, but it’s there.[/quote]

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