Sally and Dave have been married for 11 years and have two wonderful children. Dave works the executive shift of 11-hour days while Sally takes care of the house, kids, and everything else that keeps the family in one piece. They have the cars paid for and have made a very large dent in the mortgage. All is looking great for this all American family. Health insurance has never been a concern because Dave has always had a job with great benefits, mainly paid by his employer.

After 10 years of hard work and following in the footsteps of his father, Dave was quite proud of his achievements until the day he found a note on his desk from his boss. After a brief meeting, Dave is now offered a short severance package and sent out the door with a form for a COBRA extension of his health insurance benefits.

For those like Dave not familiar with a COBRA extension, now Dave gets to pay the total amount billed for his health insurance with no premium being paid by his former employer. This extension of health insurance benefits will last for 18 months unless Dave and Sally can secure a cheaper health insurance premium. With the monthly family health insurance premium now costing close to one thousand dollars for his family, Dave decides to look for an individual health insurance policy.