Health insurance options for individuals who may be unemployed or who are currently employed but simply may be uninsured come in a variety of plans that consumers may use, but there are some group health insurance plans that may offer health care coverage and could possibly be more affordable than an individual plan for someone who is out of work or simply uninsured by their employer. While employed individuals may have options from COBRA health insurance benefits or simple short-term health insurance plans that will help them guard against high medical costs if a catastrophic emergency were to arise, options beyond individual plans, short-term options, and high deductible health insurance coverage could be available through certain organizations that could offer the benefits of a group health insurance plan.
According to an article on Foxbusiness.com consumers who may live in certain states could have options for group health insurance through certain laws that can make group insurance eligibility easier to acquire, but also, various membership organizations and associations could offer coverage too. It’s also reported that these alternative options could be more beneficial for consumers seeking health care coverage as these particular group health insurance plans outside of a traditional employer plan may come with smaller deductibles and more coverage in some cases.
While consumers who are either unemployed or uninsured are prompted to speak with health insurance agencies within their state, as state-specific healthcare may be available and in the future health exchanges are to be set up to offer insurance options, currently consumers may have opportunities beyond simple individual plans from either their state or, again, various organizations with which these people may be affiliated. Obviously, exploring numerous options can be helpful for certain individuals, since men and women who may be unemployed, as an example, could find coverage with a spouse’s health insurance plan or may simply need a short-term health insurance plan due to future employment prospects, but looking at various organizations and state-specific healthcare plans has brought about benefits for certain consumers seeking health care coverage.
As an example, some consumers have been able to find health insurance coverage from an alumni association, if they are a member after they have graduated college, while other individuals, particularly those who are employed but may be uninsured might want to look at insurance for individuals not only within their state but within a specific industry or trade that can help men and women in these areas find the health insurance they need at an affordable cost. While exploring an individual health insurance plan can also be helpful, certain alternative plans can be both comprehensive and affordable in terms of what a consumer needs, but if traditional health insurance from an employer is unavailable, and an individual health insurance plan is too costly, both uninsured and unemployed consumers may find benefits from exploring alternative options like group health insurance from their state or through organizations with which they may be affiliated.