Don’t have a job and need health coverage? It’s not impossible, thanks to other available options:
Marketplace Policies: Check the health insurance plans for individuals and families that are provided on the Health Insurance Marketplace (HealthCare.gov) or the one run by your state. Most of these plans aim at individuals and families and depending on your income you could be eligible for some subsidy or tax credits.
Medicaid: Medicaid is the health program that offers free or low-cost health coverage to those who meet certain criteria. Depending on your income and the state where you reside you may be eligible for Medicaid. There are also state specific eligibility requirements for Medicaid, and so you will have to call up the Medicaid office in your state to find out if you qualify.
COBRA Continuation Coverage: If you lost your job in which you were provided with health insurance, you might have the option of taking COBRA coverage. COBRA allows an ex-employee to pay for and continue the group health plan provided by their employer, usually for a limited time of 18 months.
Coverage by Spouse or Parent: If you are married, you might be able to access your spouse’s health cover as long as it is provided by the employer. Also, if you are less than 26 years old, you may be entitled to your parents’ health cover even if you were a full-time student or not employed.
Health Sharing Ministries: Health sharing ministries are institutions where the members share their medical costs instead of paying monolithic premiums to an insurance provider. Unlike health insurance covers, these may not take level cover for every member and every service availed but could be less expensive to some.
Short-Term Health Insurance: Short-term health insurance policies are made to last for a short period of time, usually a few months up to one year. These types of policies might include some limited cover for certain key areas of health, but mostly, there are a lot of restrictions and exclusions when compared to regular health insurance policies.
Public Health Programs: Depending on where you find yourself in this context, you may be eligible for some additional public health options, including, for example, CHIP for children and pregnant women or similar programs available in your state or local area.
In considering these options, it is important to look at things like the coverage benefits, premiums, deductibles, copayments and network providers in order to select the most appropriate health insurance plan for one’s needs and financial capability. Also, it is best to contact a healthcare navigator or an insurance agent who is certified for more information or any doubts regarding the understanding of the health insurance plans offered.stand your options and navigate the enrollment process.
