Finding affordable health insurance plans for individuals who are unemployed may be difficult in some cases as there are a mixture of opinions on whether health insurance should be a cost that unemployed should meet or if affordable plans even exist. While there have been a variety of methods used by unemployed individuals to explore their options for personal coverage when medical costs may arise, it’s understandable that these men and women want to find a plan that offers them a safety net against high medical costs while they are looking for a job but, since many are on a fixed income, they also want to avoid high costs.
There are ways which unemployed men and women have been able to find affordable health insurance coverage while they are jobless, but these plans range in their affordability, coverage, and availability for certain individuals. Short-term health insurance plans have been a popular choice among many as these healthcare options are usually quite affordable and can guard against high medical costs if a sudden illness or injury arises. There have also been some men and women who were able to get on a spouse’s health insurance plan while they are unemployed, which obviously has been greatly beneficial for those who are long-term unemployed and without coverage.
Yet, since employment still remains scarce for many, options for COBRA health insurance benefits have expired for some and led to a search for affordable health insurance options. Typically, many advisers have suggested that unemployed individuals simply begin searching online for various policies which may either be available in their area or will at least allow them to more easily compare their options when seeking some form of health care coverage.
Obviously, there are numerous health insurance agents which can help unemployed individuals find a health insurance plan that may be helpful at the present time, but they may also be able to guide unemployed individuals through numerous health insurance providers which could offer various types of services. Also, seeking out state-specific insurance options can be helpful as, in some areas, there are few providers that may be available, but these companies may not be working through insurance brokers, but rather deal directly with customers, which can cut out some of the costs.
Also, for those who may have a pre-existing medical condition, changes in healthcare laws may offer the option for these individuals to get coverage from a state’s high risk health insurance pool, but again these costs and eligibility may vary from state to state and will depend on an individual’s medical condition. While some individuals have also been able to join a trade association or even get insurance through an alumni association from their college or university, all of these options are not always open to everyone who is unemployed and looking for health insurance.
For this reason, research may be required to find not only options available to specific groups of unemployed individuals in certain areas, but also, when multiple options are available a consumer must make sure they find the policy that is going to be the right fit for their situation.