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My husband and I retired sooner than anticipated after 30+ years in management positions at a large health system in Pennsylvania. A year ago this month, we moved to New York. He (59) qualified for VA healthcare, but so far, I'm still paying for COBRA benefits through our former employer - that coverage will end May 2013. Yes, I drive 1 hour and 45 minutes for my healthcare. Since we are drawing from our retirement, I do not qualify for MA or even the next level above that (went through the application process and was denied). We wrote our State Representative, Tom Reed, and still haven't had any success. Each person I talk with passes me on to another. We've done extensive research to date and here's what I know: 1. For some reason, the county of my residence - Stueben - does not provide individual insurance. If there is a product out there, its kept a secret. The literature basically says " get a full time job" or incorporate myself and join a Chamber of Commerce for their group insurance. 2. Whatever insurance I might happen across will be totally changed come October 2013 as the state of New York plans to initiate the "Insurance Exchange" mandated by Obama-care. 3. The State of New York is not user friendly in anyway, shape or form! If anyone has has recommendations for me, please let me know. Thank you.