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Having fallen into the Part B-COBRA trap, Bill Bregar, above, called his congressman. Now Rep. Kurt Schader, D-Ore., has proposed legislation to change the law. Christopher LaMarca/Redux Pictures

Bill Bregar thought he was doing everything right. With his former employer’s health insurance due to run out in May 2009, he believed that his visit with his wife to the Social Security office to sign up for Medicare would be routine. He was wrong. They were told they wouldn’t be able to get Medicare coverage until July 2010. Suddenly, in their late 60s, they faced the prospect of 13 months without health insurance. “My reaction was disbelief,” he recalls. “My wife went into shock.” … Back to Article

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