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Best Wishes,

Many people are in your situation and with unemployment up like crazy it doesnt seem like its going away anytime soon. You have a couple good options that you should consider when looking for Health coverage. The first question I would ask is do you expect to have a job within the next 6 months? If the answer is yes then a less expensive option (sometimes used as an alternative to COBRA is a short term health plan. The plans are super inexpensive and while the benefits arent incredible they help you have catastrophic coverage for as little a premium as possible. There are a couple great carriers and I would compare you insurance because the price depends on a lot of little factors. The second thing I would say is to make sure and shop every carrier if you are going to go with a annual policy because you dont expect to have coverage with an employer. Be careful about what websites you put your information in because a great many of the big ones are lead generation sites which mean they sell your information to call centers all over. If I were you I would shop both short term and annual policies at http://www.CompareMyInsuranceOnline.com to see what makes the most sense for you and your family. They are only available in certain states, but just see if its available for you.