10 Ways to Get Health Insurance When You are Unemployed

Low-cost healthcare is available to anyone willing to spend the time searching for one. This investment is particularly crucial if you are unemployed or have very little money. Check out the 10 options below if you need to find an affordable health plan fast.

1. High Deductible Health Plans

Combine a high deductible health plan with an HSA and you can effectively maintain low cost health insurance even when you are unemployed. This is also a smart way to save on taxes and save money for the long-term.

2. Medicaid

Under the new law, more people now qualify, including adults without children. Numerous exceptions have been added, too. Check without state insurance commissioner to see how you can benefit with Medicaid expansion.

3. COBRA

If you are unemployed or have been laid off, you can continue your health insurance from your previous employer through the Consolidated Omnibus Budget Reconciliation Act or COBRA. This is also a good option for students going to college and the recently unemployed but are still undergoing medical treatments. 

4. Workers’ Compensation

Your previous employer is obligated to offer you treatment for any work-related injury under the Workers’ Compensation program.

5. Medicare

Medicare offers health insurance to people 65 years old or older, but even if you are under 65, you can still apply if you are receiving Social Security disability benefits or have certain diseases.

6. The Health Insurance Marketplace

Pre-existing conditions will no longer deter you from receiving health insurance. Under the Affordable Care Act, no health insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for pre-existing conditions.

7. Individual and Family Health Insurance

This is the same plan that an employer would offer you if you were employed. The only difference is you shoulder the entire premium without any employer contribution that reduces the cost of insurance.

8. Short-Term Health Insurance Coverage

Buy this plan to avoid any gap in your health insurance coverage. It is only good for a short period of time, but it is enough until you find another job.

9. Group Insurance From Organization Memberships

Often overlooked, this option offers affordable health insurance if you are unemployed. Check your groups or affiliations if any one provides insurance, or join one that can help you get better rates on health insurance premiums.

10. Health Insurance Discount Cards

TEchnically, this is not a type of health insurance, but the card gives you access to low-cost health services. Consider it if you have exhausted all options and still have not found insurance during your period of Low-cost healthunemployment.

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MJ Usner