My employer offered a very limited coverage health insurance policy. I had a hospitalization that exhausted everything except $250 per day for room and board as an inpatient. If I were to be hospitalized again, it would not cover tests, meds, x-rays, nothing but room and board. I now have what is considered a pre-existing condition which excludes me from health insurance coverage by most carriers (unless I am in the high-risk pool, which makes coverage unaffordable). I must exhaust my COBRA benefits before I qualify for a high-risk pool, but I would be paying premiums for a policy that is nearly worthless. I would be responsible for nearly all of the costs of a hospitalization and all of the costs of any outpatient care. I need to maintain creditable coverage. Must I take this?