Assuming that you are currently covered by a group policy, the first question is, can you be covered by COBRA? That would give you 18 months of coverage at your current group's rate. Secondly, you should receive a Certificate of Credible Coverage from your current carrier. That will take care of the pre existing condition problem should you purchase an individual policy. As others have pointed out, first dollar coverage is the most expensive. Look at high deductible plans, maybe with an HSA for the tax benefit.
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"I am not a number. I am a free man."
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