It seems that fewer and fewer people these days actually have full medical insurance.
There was a time when almost every fully employed American had medical insurance, but those days are all but over.
Even people with full-time jobs do not always get a full benefit package, and those who are employed part-time or are self-employed are completely out of luck.
And, we all know that health insurance is something that you just have to have.
If you are currently between jobs, or anticipate being laid off, then you may want to think about signing up for temporary medical insurance.
This type of insurance is easy to get, very affordable, and will protect you primarily in the case of catastrophic illness or injury.
Temporary medical insurance will not cover you if you get pregnant or need to see a doctor for the flu, but if you are taken to the emergency room, it will.
One of the key features of temporary medical insurance is that it "kicks in" immediately.
Of course, there are many limitations and no pre-existing conditions would ever be covered, but if you are just trying to protect yourself and your family against being financially wiped out by a sudden illness or injury, then this kind of insurance can help you until you get another job or establish another insurance policy.
Before you find yourself with no insurance, whether it is because your benefits are being cut or you are out of a job, you should look into buying this type of insurance, rather than the employer-provided "gap insurance" (or "COBRA"), which is notoriously expensive.
You can get a much better deal finding insurance on your own, and will have the option to choose which provider you want to work with, and which doctors you want to see.