15 years and at no time did I opt for COBRA. The cost was too high. I was lucky in that I didn't have any health issues and was able to find a job within 60 days or so. I don't think it'd be as easy in these times. The thing that sucks is that with HIPAA, if one does not take COBRA within the 60 day decision making period then one risks being subject to pre-existing clauses with one's next employer. As I understand it HIPAA protects from pre-existing for 60 days following loss of group health insurance.
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