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I paid for Cobra for three years, and when it ran out, I was accepted into the state health insurance (private med. ins. premium via BCBS) because they have no pre-existing clause. I was denied BCBS individual coverage, due to pre-existing clause. I pay over $400.00 per month, with a $6,500.00 deductible before it covers ANYTHING -- no doctor's visits, drugs, hospital stay. Also only pays 80% of hospital bills. Thanks Blue Cross, NOT. I can tell you that every day I wonder if I should just drop it, if it's even worth what I'm paying. At some point, I probably will have to choose between eating and paying for insurance. Any suggestions? Starve or stay insured?