I would definitely get COBRA. If you allow your insurance to lapse, it gets even harder to get insurance. With a preexisting condition, you need a plan with prescript
ions covered, a lot of the plans don't cover or you have to pay more for them. You also have to pay higher premiums for having the condition. The deductibles are very high, so high, you may never hit them - you are pretty much paying out of pocket, plus you are also paying for prescript
ions and monthly premiums. I have had a lapse for a while and now it will be next to impossible for me to get coverage unless I get it through a group plan. If I do get insurace through a job, I could end up waiting up to 6 months for them to cover my preepxisting condition depending on their policy. Some companies will cover it right away.
I am currently unemployed with a lapse, I have looked for plans and have been denied. A while ago, I was told I might qualify for one HMO plan that would cost $700 a month+. I doubt I would qualify for that plan now. I go to the doctor and pay out of pocket. I probably spend 1,000 on doctors a year. I get my medication through patient assistant plans for low income people. Fortunately I am not married so my income is not lumped with my significant others. If it were, I would not qualify. I have been lucky because I have been relatively nonsymptomatic but if something happened, I would be in a lot of trouble. I want to get insurance but it's too expensive. If I get a low cost plan, I probably will not be elligible for the patient assistance programs anymore because I am not "uninsured". The medication I use is too expensive to buy without insurance. I was also lucky because I got a colonoscopy for free through a clinical trial for UC. I got $150 for having the colonoscopy.