i, well, i was on cobra off my folks insurance for one season. Then for another season i got some of that short term health insurance. Then for about 9yrs i went without. Total medical bills in that period: $5000. But that was due to getting hit by a car while riding my bike, so after the injury settlement there was a net income. In this 8yr no insurance stretch, i did have probably 4-5 other injuries that probably should have had a doctor look at them, but they werent life threatening so i ignored them.
I have known people who have had to get knee surgery or worse without insurance, and while you may get a warm fuzzy feeling when your favorite ski town band does a benefit for you, the money raised doesnt go far toward a new knee.
If its a one season thing, and you are currently covered, look into COBRA, its not cheap, but its cheaper.
The short term insurance is cheap, but it is limited on what it will cover.
[ November 19, 2002, 11:45 PM: Message edited by: fez ]