Back in 1995, I had just started a new job and my new health insurance didn’t kick in until after 90 days. Not a day sooner. I would soon regret my decision to refuse COBRA coverage.
A little over two months into my new position, my wife began to have mysterious stomach pains and wasn’t feeling well. She thought it was just a stomach virus or something temporary. “The doctor will just send me home, tell me to keep hydrated, and wait it out,” she claimed.
After two weeks of no relief, increasing stomach pain, and a strange orange tint to her skin, I was getting very worried but I didn’t know what to do. Neither of us wanted to take her to the government run hospital downtown (it had a horrible reputation and still does) but we had no health insurance. We were both fervently hoping the problem would go away or that the pain would be bearable enough until we hit day 90.