I’m a 43-year-old HIV-positive man who is otherwise perfectly healthy. I had group health insurance through my employer until last month, when I was suddenly and unexpectedly laid off. I can maintain the same level of benefits through COBRA, but it’s more than $600 a month and money is very tight right now.
If I decline COBRA and show a break in my health insurance coverage, does that put me at risk of being declined in the future, even from an employer-sponsored group health plan?
Read more of my article, “Tips on continuing health insurance coverage after a layoff if you are HIV-positive (pt 2 of 2)” at the Los Angeles Times.