My supervisor placed expectations on me that were nearly impossible, thereby making my work life miserable.
Each day, I came home with a horrible headache due to stress.
I always felt tired and exhausted.
That is when my husband and I decided it was time for me to leave my current job before it took its toll on me.
I stayed with my old employee mainly because of the great health care benefits I received.
After I quit my job, my health care coverage continued for eighteen months.
I felt like this was sufficient time for me to find another job or move over to my husband's insurance at their open enrollment.
I did get a quote from an insurance company so that I would know whether or not the premium I would have to pay through my husband's company was a good deal or not.
I began by researching how to obtain a health insurance quote.
I found out that there are a variety of companies online that act as brokers for a variety of different companies.
You can fill out one general questionnaire on your health, submit it, then that information is send to a variety of different insurance companies.
They will then give you a print out of the type of coverage you can receive and the exact cost.
When looking over the quotes, it is important that you read over the paperwork very thoroughly.
I found that some of the cheaper quotes I received were simply a supplement to other insurance coverage.
I also found that some of the quotes did not include hospitalization coverage.
For the most part, less expensive coverage requires a larger co-pay or a larger deductible.
You will need to make a decision as to whether your out of pocket expenses go towards the premium or towards actual medical care.
Often times it is a gamble.
Do you take the sure bet and pay a higher premium where you are covered, no matter happens or do you save the money by paying a less expensive premium and risk that you may not need the health care.
Personally, I chose to not take any significant risks.
I went with a mid-priced health care plan.
Although I still had some out of pocket cost, the overall coverage was very complete.
I believe there are many people who could actually retire early or work less hours, if they didn't have to pay a high price for health insurance.