COBRA coverage ends and cancer diagnosis

At the end of January, my amazing Cobra Corporate PPO insurance expires, and I anticipate receiving a cancer diagnosis shortly after. My spouse is a physician who is putting up a S Corp; I work as a W2 for a startup, but I don’t receive any health benefits. I will require a specialist because I live in a state with subpar medical care. Is there anything I can do to obtain a PPO or good insurance, or will I have to pass away?

When traditional insurance options are limited, consider exploring community health clinics or non profit organizations that provide services on a sliding scale based on your income.

Facing an imminent health challenge without insurance can be daunting. Given your situation, consider exploring options like short-term health insurance plans, which can offer temporary coverage until you find a more permanent solution. You might also look into marketplace plans under the Affordable Care Act (ACA), as they often provide PPO options and may have subsidies based on income. Since your spouse is setting up an S Corp, investigate whether you can be included in their plan once it’s operational, as small business health insurance might be an option. Additionally, seeking out local non-profits or cancer-specific organizations can provide resources and support. Don’t hesitate to consult with an insurance advisor who can help navigate these options and find the best solution for your needs.