What Happens to Your Health Insurance When You Lose Your Job?

Available for Interviews: Dr. Reagan B. Anderson

Dr. Anderson is the author of Universal Death Care: A Solution for Healthcare in the Age of Entitlement. Dr. Anderson was a combat doctor in Iraq, and has since run a successful medical clinic in the U.S. He wrote this book because he is tired of profit-driven policies that don’t support American’s health. For this reason, Anderson has dedicated his life to changing healthcare in America.


What Dr. Anderson Can Say in
an Interview on Health Insurance

Talk to Dr. Anderson about the healthcare crisis in this country. See where he stands on political issues as it relates to healthcare.

Health Coverage Problems

  • There are many stressors to manage when you lose your job, not the least of which is what happens to your medical insurance. In the middle of a pandemic where having adequate healthcare coverage is essential—and since about 50% of Americans get their medical insurance from an employer sponsored plan—we all need to understand what our options are for health insurance should we lose our job. The last thing you want is to contract a serious illness, not have medical insurance, and wind up being one of the 500,000+ families to file medical bankruptcies every year.

  • You can elect to take COBRA (Consolidated Omnibus Budget Reconciliation Act) insurance for 18–36 months. This is basically the same plan as your employer sponsored insurance, but what it costs you is very different. 
  • You pay full costs of insurance as your old company is no longer paying a portion of the costs. The average most companies contribute to your insurance premiums for a single employee is about 80%, and for a family about 65%. When you take COBRA insurance that means that you no longer have a job, no longer have money coming in, AND now you have to pay for all of your medical insurance.
  • Not only do you pay for 100% of the premium, you pay for your co-pays, and you’re also paying for the deductibles, which are higher now than they have ever been—and you have to spend all of that money out of your own pocket, before you’re allowed to spend one penny of your medical insurance.
  • This means that COBRA insurance can be so expensive it is often not feasible. Many go without. 
  • You have no insurance until you get another job that offers insurance.
  • So while you’re trying to find the opportunity to work again, while you’re trying to keep a roof over your head and food on your family’s table, you’re now wondering if you can afford a medical treatment—or you have to have the medical treatment to stay alive, and then go into medical bankruptcy later.

Common Sense Solution

  • We need a system in America that when you lose your job, you still keep your medical insurance for a specified period of time so that you can be healthy—because if you’re not healthy, how will you ever be able to have the opportunity to support yourself again?
  • This solution is fiscally conservative but also socially responsible.
  • Watch this brief YouTube video from Dr. Anderson:

What Happens to Your Medical Insurance
If You Lose Your Job?


Interview: Dr. Reagan B. Anderson

Dr. Reagan Anderson is an Osteopathic Doctor (DO) who specializes in general Dermatology and in Mohs Micrographic Surgery for the treatment of skin cancer. Dr. Anderson moved to Vancouver, British Columbia where he attained his Bachelor of Science and Biology from the University of British Columbia and a Master of Christian Studies degree from Regent College. Dr. Anderson was then invited to attend the founding Osteopathic Medical School, Kirksville College of Osteopathic Medicine.

Upon matriculation, Dr. Anderson was commissioned in the United States Navy where he spent the majority of his time serving the United States Marine Corps as the First Reconnaissance Battalion Surgeon. Dr. Anderson states, “Over the five years I spent in the U.S. Navy, it was my distinct honor to serve the medical needs of the military men and women of our great country. This experience, particularly my tours in Iraq where I treated U.S. and coalition military members as well as Iraqi civilians, gave me extensive experience in recognizing and treating the underlying causes of dermatologic conditions.”

Jo Allison
Managing Editor
Director of Public Relations
Success In Media, Inc.

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