<p>I’ve noticed that when the company have a whole-bunch of “old” people, that the group HI is higher than a company with a whole-bunch of “young” people. </p>
<p>I think that COBRA is a bad idea for a young people. The paper work is the same for application both application. Your insurance company that carries your group would really like to keep your DS/DD on their COBRA program because the premium is based on the “old” employees. Think who’s getting the $$?</p>
<p>Have DS investigate the alternatives.</p>