Talk with your T about this. Several years ago I had COBRA coverage and my old employer changed insurance plans and did not notify me...the old insurance didn't notify me either...for three months. Just kept taking my money...then sent a refund for the premium. Too late to sign on with new coverage. I kept my T informed and made small payments as often as I could...which was sometimes only $10 a month. One day I got a statement from T, and the balance was gone. She wrote it off without telling me. You never know what arrangements can be made until you ask...although I wouldn't ask for a write-off!