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If you lose a job, a lot of times you are "offered" COBRA, but you will have to pay not only what your employee share is, but the employer's share as well...and at a time when you have little or no income.
or if you leave a job voluntarily, but liking the health car plan you have/had, is it likely that your "next" boss will just pick up where the former boss left off, or will he/she insist that you take the plan they have the rest of the workforce on, or ask you to pass on it and just pay for your own "pet" coverage.
Portability is pie-in-the sky because we do not have a universal one-size-fits-all health care plan.
If you left a union job with great benefits, that insurance cannot be "portable" because your next boss (non-union, most likely) will not be able to participate inb the same bargaining group plan, or if they are a larger company, they probably have their own insurance that you will be asked to take it or leave it.
Many businesses that do offer medical plans offer the insurance, but the only affordable plans come with a specificity of service areas..ie.. we used to have Pacificare, but a a job change meant that we had to switch to Kaiser..that necessitated new doctors, new clinics and even a new Rx, vision,dental plan. Unless we wanted to pay full price/out-of-pocket, we had to get new doctors, and rely on the sketchy "transfer of records"..The new doctors at Kaiser, of course, wanted all new tests and new procedures to satisfy themselves, instead of relying on transferred records..(my husband's a diabetic)
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