It's weird how things work out sometimes.

[Tobin S.]

11. Yep

You may remember that I was a truck owner-operator. We talked a little bit about it. Through that time I had coverage on a COBRA plan, but it expired after 18 months. That was at the end of last year. Before then, I was looking ahead to 2012 wondering what I was going to do. At the time, the drug cost about $300 a month without insurance and I thought that I might be able to swing that.

I then got married and started working for someone else locally and everything worked out from there regarding the insurance issue.

But there was a rapid increase in the cost of the drug that I didn't know about until December of last year. I looked into it because I thought that I might be without coverage for a couple of months and was shocked. I was wondering how I was going to find $1400 and still pay the bills. If I had encountered that problem while being self-employed, it might have been the end of my business or a run up on the credit card that I couldn't sustain.