Get Free Health Insurance Quotes!

Health Insurance for the Unemployed

 

Being unemployed is a scary thing to face. There are many important issues you will be forced to consider and adapt to, one of which is finding health insurance for the unemployed. Your specific circumstances will determine your options, but you do have options for finding invidual health insurance that is both affordable and provides the coverage you need.

 

Health Insurance for the Unemployed Through COBRA

If you are unemployed due to being recently laid off from your job, and you had health insurance through your employer, your first option is COBRA health insurance coverage. COBRA health insurance is a continuation of your group coverage. If you qualify, you can receive this coverage for up to 18 months, but the premiums can be as much as 150 percent of what you paid before.

 

Looking for Health Insurance for the Unemployed on Your Own

If you do not qualify for COBRA coverage, or if you can't afford premiums of 150 percent of what you were paying, then you can seek out an individual plan on your own. Shopping for a plan on your own is not as difficult as it may sound. Some time online researching the plans and insurance companies in your state will provide a solid foundation. You can then get quotes on the plans that seem to fit you best. As long as you are in good health and have had no gaps in health insurance coverage, you should easily qualify for an affordable plan.

 

Group Health Insurance for the Unemployed

In some cases, you may be able to find group health insurance that is not through your employer. There are large organizations that work with medical insurance carriers so that members of the group can receive quality health care insurance plans at very affordable rates. Groups such as AAA and AARP offer medical insurance to their members. Also, some church groups, even credit card companies offer a level of group health insurance to members.

 

Health Insurance for the Unemployed Through Government Programs

There are a number of health insurance options offered by most state governments. If you can be considered low-income by the standards of your state or if you are considered high-risk and not insurable by private companies, you can seek out specific government programs in your state. Programs may offer affordable plans for low-income individuals and families, specific medical services for free, and coverage for the uninsurable. Your state's department of insurance will have the necessary information to help you with this process.

 

Health Insurance for the Unemployed Price Quotes

Regardless of your specific situation, you will want to get health insurance quotes to analyze where you stand and how much coverage you can afford. Health insurance quotes, depending upon where you get them, may tell you that you are uninsurable under a private policy. At which point you can seek out state and federal program options. If you are in good health, then you can use the quotes to compare the cost of specific medical insurance plans to find the best deal. This is a great tool to help you compare and find the best available health insurance for the unemployed and remove a bit of stress.

Individual Health Insurance