As an American who has been living in the UK for the last 8 yrs, I remember all this from the states. I have worked short term at an A&E (ER) in the states as well as long term for the police. The things I saw were horrible. It really was common to see people wait to get their children (or themselves) treated until the situation was an emergency, as they simply could not afford treatment and medication.
My sister is one of those horrific people that was shocked by the idea of everyone having equal access to healthcare. In her opinion, if they want it, they should get off their ass, get a job with insurance benefits and that's that.
So many are trapped in jobs because they cannot afford coverage once they leave the job and if they don't have the interim coverage until they get a new job, any medical condition is considered a pre-existing condition and many insurances won't cover it or any expense related to it for up to a year!
This (COBRA) is an example of the common insurance available to people who have left or lost their job. To give an example, just to insure my 15yo daughter who had serious asthma, it was literally $500+ per month and that's JUST for the coverage.
Anyway - this is what some are forced to use.....
"COBRA - also known as the "Consolidated Omnibus Budget Reconciliation Act of 1985" - may give you the right to continue health coverage under certain conditions. This act applies to dislocated workers and families, even those facing reduced work hours, causing them to lose eligibility for health insurance.
Wondering if you might qualify?
To be eligible for COBRA:
you must have been enrolled in your employer's health plan when you worked and
the health plan must continue to be in effect for active employees
But watch that clock! If eligible, you should receive a COBRA notice from your employer. Make sure to ask for the notice if you don't get one.
Be sure to read it carefully. In order to continue coverage, you must sign up for COBRA within a certain time - typically within 60 days from your eligibility date.
Prepare for a little sticker shock. While most employers must extend your health benefits for 18 months under COBRA, the cost can be considerable.
In fact, the typical cost is 102 percent of the premium. This includes the actual cost to your employer, not just the amount you have taken from your pay. Paying double or more is not unheard of to keep the same coverage."