Many individuals have had to seek out individual health insurance plans outside of employer health insurance options as either their employer does not offer health care coverage or, in cases where unemployment has been the problem, these individuals simply have no opportunity at acquiring health insurance from their employer. Yet, there are some options for affordable insurance plans despite individuals having to carry the costs alone, as both unemployment health insurance and self-employed health insurance plans may offer opportunities for those seeking some form of health care coverage outside of group health insurance plans.
While the governmental website Healthcare.gov can provide some information and even insurance guidance for individuals through resources in their area, many men and women who are either unemployed or looking for health insurance because they are not provided health care from their employer have either turned into individual health insurance plans, which can offer different degrees of affordability and comprehensive coverage, but short-term health insurance and high deductible insurance plans have also been an option for those who are looking for some form of coverage against catastrophic emergencies.
Individual health insurance plans can obviously cover a wide range of options and coverage needs for the individual, but price is often something that many men and women are concerned about and, for those who are unemployed, this may not be the route which can be explored. While individual health insurance plans may offer affordability for those who may only need basic health care coverage, advisers often suggest that insurance seekers review what conditions are covered and eliminate any unnecessary costs that may come with simply choosing a “basic” health insurance plan.
Yet, short-term health insurance plans, which are essentially high deductible insurance plans, may offer more limited coverage options but can prevent against costs associated with a high amount of medical care. Typically, individuals using these types of plans will only have to meet a low monthly payment for their insurance policy but may have a higher deductible that must be met out of pocket before their insurance coverage will kick in and pay remaining medical expenses. These short-term or high deductible plans will require that the policyholder meet a certain amount of costs related to their health care, but if a major medical emergency were to arise which necessitated surgery or costly medical treatment, the policyholder would not be left to pay the whole bill alone.
While there are, again, individual insurance plans or these short-term insurance options which can be used by anyone from solo business owners to unemployed individuals, care needs to be taken when selecting one of these policies as excessive costs could be burdensome on the policy holder and, obviously, no one wants to pay for conditions covered in a health insurance plan that are unnecessary for their needs.