Look into buying COBRA right away. The federal COBRA law allows you to continue to buy the same health plan you’ve had through your employer for 18 more months. You’ll have to pay the full premium, plus possibly an administrative fee of up to 2 percent. If your employer has been paying part of the premiums, you could be in for some sticker shock.

Here’s more important information on your COBRA rights.

Because of your diabetes, you probably won’t have much success trying to buy an individual health plan on your own. If COBRA doesn’t pan out, look into buying a Pre-Existing Condition Insurance Plan (PCIP). These plans, administered by the federal government, guarantee you coverage even if you have medical problems. Here’s the official PCIP website.

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