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Unemployed Health Insurance

Employers are the number one source of health insurance for people in the United States. Therefore, it stands to reason that one of the chief concerns of unemployed people is finding healthcare coverage. This article provides a few suggestions.

COBRA

If your former employer had more than twenty people working for them, you may be eligible to continue your healthcare coverage at your employer's group rate.

Professional Organizations

Some professional organizations provide health insurance to their members at discounted or group rates.

Individual Insurance

If you are not eligible for group rates through a former employer or a professional organization, you may need to purchase an individual health insurance policy. Individual policies have higher rates than group policies—sometimes so high as to be unaffordable.

Rather than go without health insurance altogether, some people settle for reduced coverage by purchasing mini-medical and/or catastrophic health insurance plans.

High Risk Pool Insurance

High risk pools provide affordable health insurance to people who have been refused individual insurance due to pre-existing conditions. Unfortunately, not all states have high risk pools.

Medicaid

If you were forced to stop working because of a disability and you have limited income and assets, you might qualify for your state's Medicaid program. Medicaid is a federally-funded, state-administered program that provides health insurance to individuals who meet strict guidelines.

SCHIP

SCHIP, or State Children's Health Insurance Program, is available in all fifty states and offers low- and no-cost health insurance to the children of families who meet certain income guidelines.

Medicare

Medicare is a federal health insurance program that covers most Americans and some legal immigrants over the age of 65. Medicare is also available to disabled individuals who meet certain eligibility guidelines.

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Unemployed-Health-Insurance.com is not an insurance carrier or broker. We cannot guarantee a quote from a specific carrier, and we cannot guarantee that all products are available in all states. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.