A client of mine has his mother call me with a health insurance conundrum. She lives in New York City (Bronx). 64 years old, will be 65 and goin' on Medicare in August. COBRA from old employer ran out 2/29/08. Good health, height/weight OK, just meds for HBP, with it well-controlled. Did the routine check up thing including mammogram with doc before COBRA expiry. All OK. Without any kind of short-term medical available for NY, she is forced to buy a full-blown deal for $475 a month which really squeezes her budget- wise. So here's the question... Hold your breath and go naked for 4.5 months - or pay the $475 a month?