Unemployed and Need Health Insurance?
It is bad enough to be out of work, but too often with the job loss comes the loss of the job’s insurance benefits. Yes, there is COBRA which will allow you to continue with your employer’s coverage for up to 18 months. However, unless they agree to continue to pay their portion of the best health insurance for unemployed you’re likely not going to be able to afford it.
With the average cost of a family insurance plan at some $21,000 and without the employer’s portion paid it is not a cost most unemployed individuals can pay. Currently there is a moratorium on COBRA premiums for those who have suffered an involuntary job loss but that ends at the end of September 2021 as of this writing.
What Is Affordable Health Insurance For Unemployed People?
Though not highly recommended and not even legal in all states, there is short term health insurance. Premiums may be affordable and though it fits into the something is better than nothing category for protection against unexpected accident and illness it has many drawbacks.
It is not ACA compliant thus it doesn’t cover pre-existing conditions or medications or lab work and usually comes with significant health insurance deductible vs out of pocket expenses. Another option is the ACA Marketplace or your state’s own market. ACA Marketplace plans can be affordable if you qualify for a subsidy which can lower the cost to the point where it may be affordable.
Other Options for Health Insurance for Unemployed Workers?
A couple simple ones if they are available to you by relationship or age are the following; get put on a spouse or partners health plan until you regain employment. If you are under 26, and your parents have health coverage, you can still qualify for a parent’s health plan. Okay, those may not be realistic options for many people but there are others. Medicaid or whatever name it is called in your state is an option if you qualify.
Medicaid is a low-income program that can cover you and with the addition of CHIP (Children’s Health Insurance Program) your children up to age 19. Eligibility and availability vary by state but under federal oversight programs must all offer similar options which include dental, vision and wellness care for your health insurance for children only as well as medical and hospitalization.
Unemployed, Need Health Care And Don’t Know What To Do?
Healthcare.gov is a government website that is a great place to begin your search for health care coverage for yourself or you and your family. Don’t have access at your home? Most public libraries now have computers available and you can access this website there to begin your search.
On this site you will find the latest information about the ACA Marketplace, Medicaid, CHIP, COBRA and other health insurance information. There is even a toll-free number to call for help if you can’t find the information you need.
At here, we can also provide the latest information on affordable unemployed health insurance. With access to ACA Marketplace, short term health plans and affordable catastrophic health care offerings we can find a plan to help.
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