Yikes, FiveRinger, that fall sounds scary. I hope you're doing OK. As I'm sure your lawyer told you, your expenses should be paid by the store's insurance. You should not be responsible for any of it. Yes, COBRA is expensive and you can probably do better with an individual plan as long as you are healthy with no pre-existing conditions. By better, I mean it will cost a lot less and coverage will generally be what you need. I believe that if you have had insurance for the past year with no lapse in coverage, you can get a pre-existing condition exclusion waived by a new insurance company - I think. Anyone looking into this should check on that. If you do have pre-existing conditions and can't get an exclusion waived, your only option might be your state's high-risk pool, but that will be just as much as individual insurance, maybe more, unless you qualify for assistance. After I got laid off 5 years ago, I got an individual plan with United Health Care, first under Optimum Choice, which then stopped offering individual policies in my state, and then under Golden Rule. I had to keep that plan until a month ago, when I finally got a job that provided health insurance (my most recent job was a contract position). I was very grateful I had it when I broke my leg ice skating - the hospital bill for surgery and a 1-night stay was $10K. And the surgeon and anesthesiology bills were extra. And then there were the follow-up doctor visits with x-rays, and 6 months of PT. I wouldn't recommend anyone go without health insurance for any length of time. I've been without insurance for a month here and there when I was much younger and was between jobs or between school and a job, but I was lucky.