Health Care

Obtaining Health Care Coverage During Times of Unemployment

With the high rate of unemployment due to the faltering economy, it is becoming more and more common for individuals to be out of work yet require health insurance. After working for a period of time but losing your employment, you may find yourself scrambling to find a good health plan that accepts unemployed members.

Finding health care coverage when unemployed can be a challenge, especially when you have a pre-existing medical condition. Knowing what you are at-risk for is important, especially when you could very well end up dealing with staggering health care expenses. COBRA is an option for those who have recently lost their jobs. It is generally a short-term solution where you can continue your health care coverage from your employer, although it can still be costly due to having to cover the cost of the entire premium in addition to administrative fees. In some instances, your employer may be willing to continue paying the bulk of your coverage.

If you are unemployed and don't get unemployment insurance or get under $800 per month, you may qualify for Medicaid. Individual health coverage is quite reasonable in quality, and you will not have to pay for office visits or your prescriptions. The Affordable Care Act exists to ensure that all individuals can obtain health insurance regardless of their employment or financial situation. To see if you qualify for Medicaid, visit their official website. If you are a pregnant woman, you will automatically qualify for their health insurance coverage, regardless of your employment situation.

Health care coverage costs can become overwhelming when you have children to support as well. SCHIP — State Children's Health Insurance Program — is a great option for health care coverage for children 18 years of age or younger who come from low income families. Even kids who are homeless qualify for insurance through this great program.

Another good option for the unemployed to obtain health insurance is to check the criteria for your state in qualifying for low cost coverage. For instance, in New York, there is a plan called "Healthy New York" that is offers great options of health insurance for individuals who have to obtain their own coverage. You can check the qualifications for each individual brand of health insurance and compare among others. Every state has different criteria, but you can generally find information on good health insurance coverage for unemployed individuals, no matter what state it is that you happen to call home.


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Health Care