Question: I currently am 100% covered by my employer but will be going part-time My employer will not pay any of my health insurance costs as a part-time employee. To make ends meet I will need to also be self-employed. I have a pre-existing condition that requires very pricey drugs. Is my best option to elect COBRA and hope that they don’t repeal the health care act so that I can get affordable coverage in 2014?

Answer: Yes. Your best option is to elect COBRA. It will cover you until you can enroll in guaranteed health insurance coverage available through your state health insurance exchange in January 2014. If your income is still on the low side by then, you will probably qualify for a subsidy to help pay your premium. And of course, your preexisting conditions will no longer affect the availability or cost of health insurance.