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So it is about the money, then? Surely, insurance companies don't object to you paying them directly.

• dragonwriter 4y ago
  > Surely, insurance companies don't object to you paying them directly Adverse selection means an individual can’t get the same insurance a big organization buying for a large group can; ACA exchanges may (state markets vary a lot) mitigate that somewhat, but they don't fully make up for it. Part of this is orice for benefits, but the same benefit packages may not be available to you at any price (adverse selection means creates a kind of feedback loop where for certain things, there is no price where offering an option isn't a losing deal for the offeror, because the only people who would take it would be the ones for whom it would be a net loss for the seller to provide it.) COBRA, though, allows you to keep your bigco insurance when you lose your job, as long as you take over both sides of the payment, for up to 18 months. So, in that sense, it is about the money.