re: #389 Floral Giraffe

It is also likely that sattv4u works for a large employer, who can shop rates & negotiate with other companies to keep their prices low.
After being let go, I found out that I was not eligible for extended COBRA, because my employer “self insured”. They just used the insurance company to process the paperwork. I shouldn’t have been suprised, I knew we did that on freight to keep the costs low.

Lots of employers do that.
The employer from which I’m retired is “self-insured”, but the pool is so large they actually have 3 or 4 different options, managed by different companies, that we can choose from.

The Roi’s company is also self-insured. I put him on my insurance years ago, even though he has insurance through his employer and they pay almost all the cost of his premium, so that we could insure he would stay covered at a reasonable cost when he retired - his company does not offer insurance to their retirees, my employer does.