Health Coverage

I’m trying to decide whether to take advantage of COBRA insurance from my prior job.  COBRA allows you to piggy back on your prior employee’s insurance coverage for at least 18 months, but requires you to pay upto 102% of the insurance premium (for example, if the employer paid $100, the most you’d have to pay is $102).  My new job has a 90-day waiting period before coverage begins. Go figure! That’s what you get for working for the government! So, my coverage doesn’t kick in until sometime in October.  I left my other job mid-month, so I’m covered until the end of this month. So, in essence I need coverage for the next two months.  It will probably cost me around $600 for 2 months, which too me is pretty hefty.  I could use that money to pay off some of my bills.  Also, I am blessed with good health; I rarely if ever get sick.  Like many students, I went through my college life sans health insurance, and during that 7 year period, I thank God, I never got ill.  So, there’s that route.   Stay uninsured for the next 2 months and hope for the best.  But my mother’s words keep drifting in and out of my mind. She always says “Mutino ni muhio gukira ngoma” (loosely transalted from Kikuyu to English: “misfortune/accident is swifter than the devil).   Am I willing to take that risk? Anything can happen, and that $600 I’m trying to save on will appear miniscule next to a gigantic medical bill, should God forbid, anything happen.  I have the next 2 days to decide what I need to do.  I’m leaning heavily to signing up for COBRA coverage…..