i used to pay $240 / M when i was employed for my Health insurance now i got laid off so i transfer my paln to Cobra i still have 4 previous payments which i didnt pay for because i dont have good income and now i dont have any income and still have to pay for the rest of this year beside the 4 previous payment which is more than $800 what i have to do , i dont want my credit to be effected .