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COBRA health insurance has always been a kind of bridge program. If you are out of a job, it helps you stay on your former employer’s coverage until you find a new job. The problem is, you don’t get a job as quickly these days as he used to, and 18 months don’t seem to last as much. There was this story on the news the other day – a skilled manual worker at a car parts plant in New york was laid off about one year ago. She knows she has until December before her COBRA health insurance expires. Her unemployment benefits will end too. She isn’t quite 65 yet, and Medicare isn’t an option for a couple more years. She gets by on the payments she gets from her husband’s Social Security benefits, and healthwise, her only hope is the community clinic in her area.