One's Observations

A collection of some things I observe along the way.


"Millions of people out of work lost federal subsidies Tuesday [12/01/09] that helped them afford COBRA health insurance coverage, adding to the more than 46 million Americans who are uninsured."

"The COBRA subsidies that expired Tuesday affected the first recipients of the program that began in March. The federal program came out of the American Recovery and Reinvestment Act and pays 65 percent of a laid off worker’s COBRA premiums for nine months."

"COBRA coverage is a temporary continuation of health coverage for former employees. It is usually more expensive than health coverage for active employees because unemployed workers pay the full premium costs plus a 2 percent administration fee."

"Families USA, a non-profit group for health care consumers, estimates this first wave of expirations could affect about seven million adults and dependent children. The organization is unsure how many people it will affect in each state."

“We believe this will affect seven million people right away and will continue to affect additional people as the months go by,” said Ron Pollack, executive director of Families USA. “This has been a lifeline that has allowed people to retain their health care coverage and that lifeline is now being withdrawn.”

"The average COBRA monthly premium is $1,111 for family coverage, and typically consumes 83.4 percent of the average unemployment check. In nine states, including Florida, the premium exceeds the average unemployment insurance check." (
Bradenton Herald Article)



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