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Health Coverage While Unemployed
By Tony Novak

A key decision that millions of Americans face each year is whether to elect COBRA "HIPAA" or "COBRA alternative" health care continuation coverage when they lose employer-provided health coverage. About two thirds of all Americans are covered by employer-provided health coverage but with the recent increase in layoffs across the country, the number of workers losing these employer-provided health benefits is at a record level. Workers typically have three or more options available and the cost can vary dramatically between the various choices available. Some may opt to take no health insurance coverage and bear the financial risk themselves. In order to make the best decision, they need to know about two laws,...
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