My insurance post offered some very good feedback and probably another sign how screwed up the insurance system is. In response to one comment I received, I am pretty sure that just because your employer goes out of business, they cannot simply ignore your right for COBRA. COBRA and the insurance companies have an odd way of communicating with each other sometimes. It may take a few weeks to get it sorted out that you have in fact paid COBRA your insurance premiums but you have to stay on these people otherwise the insurance company will drop you from the policy. It doesn’t really seem to matter to them whether your coverage lapses so it is up to you. It’s a bummer sometimes to have to go on COBRA, but ultimately sometimes staying on your group coverage is easier than trying to get an individual policy. These days it seems if you have ever gotten sick, they will deny you.
I am also looking into the way that employers choose their insurance policies. Sometimes an insurance company may actually cover what you need but your employer chose a policy that doesn’t include that coverage. I am wondering why they don’t create a system where if your employer chooses one policy that you are still allowed to buy other portions of coverage. Like, hmm, I will have a side of “can you cover my diabetes?” I’m sure that would get way too confusing for the insurance companies in light of the fact that they can’t seem to figure anything else out but I think it would be a start. Why should you have to be held to what coverage your employer thinks you need?
Let's make the law entertaining, shall we? 
