I have never had a problem with my current insurance. I had to get a new job because I would have been losing mine 12/31/10 and if I stayed with them I would not have even been offer cobra. The only problem with the cobra I am now being offered is that it is very expensive $600 a month and I don't get insurance at my new job until my 91st date of employment and that is a big chunk of money when you live alone.