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You wrote, You would still be eligible for 18 months of Cobra whether or not you leave willingly.

Put another way, I am ONLY eligible for COBRA for 18 months... I'll need a good deal more coverage than that.

And yes, I was already planning to take COBRA. I assume you made your comment was to suggest I could go ahead and retire now. My current plan was to take COBRA for about 15 months and then during the open enrollment period switch to a Washington Health Exchange plan at the beginning of the year. Retiring now would have me starting as early as January 2019 - more than a decade away from Medicaid eligibility.

aj485 also has the option of retiree health benefits through her former employer, but they are already pretty expensive at just about $1,000/month per person. I would be eligible for that, as long as we switch to it before she dies. If she dies after we start on it, I could continue to claim for up to 36 months under COBRA. But if she were to die earlier, I might be stuck for years with whatever is available through the Washington Health Exchange ... assuming the Exchange survives the Republican agenda that long.

And should the Republicans manage to kill ACA and should our Exchange more or less go away, I'm kind of stuck. I've tried getting an individual health insurance policy before. No carrier would write an individual policy on me because I had "too many risk factors".

With all that said, I could probably bridge the gap by finding part-time work somewhere like at a grocery store. I could quit again once I was on Medicaid. Odds are I'd only have to do that for a few years at most.

But I'd rather just work my current job a little longer and not risk having to do any of that. Besides, if I work a little longer and things don't turn out worse-case, I'll have extra play money.

- Joel
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