Well it has happened to us. My husband was laid off this week. I know everyone is affected by this crappy economy in one way or another, but if you live in Michigan, especially in the Detroit area, you are pretty much #$%&%@!!! Anything and everything we do here in this area is automotive related. So, it looks like we will be going on Cobra starting next month. I am not sure what to do now. Should I continue with the proceedings and try to get banded, while I have insurance? Or hold off until, things are more stable and he is reemployed? I guess my worry is, what if I have complications down the road at some point and we are not insured? My husband thinks we should go for it now and deal with what ever comes up later, then. Not a good time here in Michigan.