Abell, if you don’t mind me asking, what is your reason for not having insurance? Cost? Do you have issues being able to get insurance? Just curious. [/quote]

Flu, My husband’s an accountant who lost his job last May (his company was bought out by a larger company and their accounting division was on the East coast and he didn’t want to move there, especially not being familiar with anyone in the new company). I am a stay-at-home mom, and when he lost his job we had a 2 1/2 year old and I was pregnant. We had Cal COBRA through August, which we dropped after we had a healthy baby boy, and because it was more than we could continue to afford (it was an HMO and cost $1300 a month, if it was a PPO with a high deductible, we might have been able to hold onto it for a while longer). We did not recieve unemployment during that time because my husband was a contract employee prior to the previous company being bought and we didn’t think he’d qualify. So we pretty much burned through all our savings, as jobs now are not easy to get in this economy. My husband is now self-employed, doing part-time accounting for small businesses, which means we have no benefits. We plan to either ask one of the businesses he works for if we can get on their insurance or apply for private insurance, but we were waiting to make sure we could afford the extra bill every month before we do that. Things are just starting to look at a point where we will have enough funds to pay for health insurance.