If you are in any sort of accident, the insurance pays for itself. I had an allergic reaction while uninsured, and it cost me $3700. An old roommate was in a bi

If you are in any sort of accident, the insurance pays for itself. I had an allergic reaction while uninsured, and it cost me $3700. An old roommate was in a bicycle accident while uninsured, and the bill was close to $18,000. COBRA is a pretty bad deal though. Mine was almost $250. You can get a good Blue Cross plan for that much, or a simple disaster plan for much less.