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Old 02-01-2013, 01:41 PM   #8
EagleRiverDee
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Join Date: Aug 2010
Location: Alaska
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Don't do it, would be my advice. Group coverage is great- right up until you lose it, and then you're screwed. Been there, done that. My personal feeling is that everyone should get private insurance at 18 and keep it, because it will remain portable through every job you have. Group coverage isn't portable, and COBRA is prohibitively expensive. When I changed jobs several years ago, it took forever for me to get new insurance because I had a couple pre-existing conditions and ultimately I had to settle for a cut rate insurer who paid for almost nothing. I finally lost enough weight that I qualified for Blue Cross and switched, but now I'm back to that one year waiting period for my pre-existings. If you have good private insurance that is affordable, then my recommendation would be do not switch.
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