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so much for insurance. And that's if they don't even get sick. If they go to the doctor they will have copays and deductibles. I think the COBRA actually costs more the the total of the employer contribution plus the employee contribution that was paid when the person was still working. I understand when COBRA was created it was supposed to be there to help people as a short-term gap coverage but real life is that people can't afford it. I have close relatives that are being forced to choose between health insurance and food and heat. COBRA costs too much!