Why consider short-term cover?
The US market tends to rely on employers to absorb the cost of health insurance for all those in the workforce. In the better packages, the cover extends to the immediate family and may include dental as well as medical care. As a business expense, the cost is passed on to the customers or clients in higher retail prices. Nothing in life is free. But if you cannot find a job with health cover or you lose your job, this forces you into the private market. Note that COBRA gives some protection if you do lose the benefit of an employment package. The choices to be made in private health insurance are actually very simple. When young, many people in good health decide to take the risk and live life without medical insurance. If there is an accident or you are injured by someone else, auto insurance may cover the cost of treatment. There may be legal remedies to recover the medical expenses. If all else fails, there are always credit cards and the family to fall back on. The commitment of a
