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Affordable Health Insurance For Unemployed
How can I get affordable health insurance if Im unemployed?
There are many ways you can obtain affordable health insurance, even after youve become unemployed. Check into COBRA, converting your former group health insurance plan into an individual health insurance plan, or a state continuation plan in which you can continue being covered under your previous group health insurance plan for a certain period of time.
What if my last job didnt offer health insurance?
There are a few reasons why some employers dont offer health care benefits. Since employers arent legally required to offer health insurance, not all do. Plus, if you work part-time, you usually arent eligible for your employers health benefits package.
If your last job did not offer health insurance benefits, you most likely wont be eligible for assistance such as COBRA, conversion, or state continuation. You can, however, contact your states department of insurance to find information about any affordable health insurance plans they offer for unemployed individuals. You may also want to ask about your eligibility for state-sponsored health care, as well as Medicaid.
Are there options for unemployed people to get help with prescription medications?
Yes. Many companies that make and distribute prescription medications have special programs to assist those people who need prescription medicine but can not afford it otherwise. If you know your particular prescription medication company, contact them for more information. If you dont know, contact your states department of insurance for help.
How can I find affordable health coverage for my children?
It is important your children keep continuous health insurance coverage. If youre able to take advantage of COBRA, conversion, or state continuation, be sure to do so. If not, make sure you ask your states department of insurance specifically about state health care programs for your children. Depending on your income and assets, you may be eligible for free, or very low-cost, health insurance for you children.
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