Reply to If you SAH and spouse dies what is your plan for health insurance?

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Reply to "If you SAH and spouse dies what is your plan for health insurance?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I'm not sure I understand what death has to do with it.  (I'm not being snarky, I don't get it.)  If you are going to SAH, and your husband loses his job, and thus your insurance, you COBRA.  Then, either one or both of you gets a new job, or you purchase private insurance.  What am I missing about the death component?[/quote]

COBRA = temporary
DEATH = permanent[/quote]

Yes, I understand that.  My point is you can't COBRA permanently, so whether you are using COBRA because your working spouse dies or loses his job, you need to get new insurance after X months (typically 18 months is the longest, I believe).  The new insurance is either through new employment, or purchasing private insurance. [/quote]

But that person who would have been actively looking for a job is no longer around.  So the spouse better hope she has some sort of current skills in order to get a job with benefits.  Private insurance is often sub par or very very expensive.  And many people have pre-existing conditions.  My friends were denied insurance because of their weight (mildly overweight - far from obese).  High blood pressure?  Seen a shrink ever?  Recently quit smoking?  Pregant or planning on becoming pregnant?  You might have trouble getting insured.  As you get older, any sort of history with doctors will be scrutinized.  Its not so easy for alot of people to just go and pick up private insurance.  Hence the concern.   [/quote]

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