While it is possible to get health insurance while unemployed for a brief period of time under COBRA after you have left job, you may have to look for some other options to get healthcare coverage for you and your family members once the benefits get exhausted. The ACA makes it easy for even the unemployed to get their healthcare needs covered.
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Just because you are jobless, it doesn’t mean that you cannot buy cheap health insurance. The federal government initiative allows even unemployed persons to get their individual and family healthcare requirements covered at subsidized rates. Under contents of the amended Affordable Care Act, it is mandatory for insurers to provide health coverage to U.S. citizens.
Therefore, there is little need to worry even if you are currently without job. You can buy best health insurance for unemployed people on your state’s marketplace exchange. Insurers cannot deny you coverage despite your being unemployed or having any pre-existing medical condition. We can help you with the task of finding the best solution.
More than 1 million insurance policies delivered from over hundreds of companies nationwide to let you be as choosy as you want.
It may take some time to get onto some other job and might not be covered with your employer’s group health insurance policy at present. But still, finding cheap health insurance while unemployed could be a perfect reality. There are several options at your disposal to get you and your dependents covered for healthcare benefits. Our experts may enable you to navigate through the process with ease.
Apart from COBRA coverage, you have the chance to secure a comprehensive health insurance cover through government market exchanges and private companies as well. To get started, contact us online today!
The moment you know that you are likely to lose your current job, it is important for you to have some backup plan to take care of your healthcare needs. Medical costs are rising day by day and the last thing you will want is falling ill or requiring hospitalization.
To that effect, you may consider the below mentioned guidelines before you research your options on health insurance for jobless people available in the market.
Government subsidized health insurance plans are available on all states’ marketplace exchanges for specified household sizes with low or no incomes. You can check your eligibility to get enrolled for the program during the open enrolment period between 1st Nov. to 15th Dec. every year.
Yes. To purchase low cost individual or family health insurance in the marketplace you don’t need to have a job. But you cannot buy a group healthcare insurance cover unless you own a business with one employee working for you.
Usually, employer sponsored health insurance covers are active until the end of month in which you leave services. However, you can get healthcare coverage under COBRA (if eligible) or buy insurance either through state’s marketplace exchange or from private companies.
The amended ACA has permitted expansion of funding to community health centers that provide primary medical services to millions of low or no income people across America. You can learn more about the subject by talking to our local expert.
Yes. If you are getting unemployment compensation then you must report it in your application when applying for healthcare coverage through marketplace exchange. The online application for healthcare coverage will automatically help you to estimate or predict your yearly income.
"Obamacare" make it convenient for qualified consumers with lower incomes to secure government subsidies for individual and family health insurance policies. To qualify, you just have to make sure that your yearly household income is in the range 100% to 400% of federal poverty level.
The term pre-existing conditions implies health problems such as asthma, blood pressure, diabetes or cancer that a policy buyer already has prior to the beginning of the health coverage.
The term “co-insurance” refers to the percentage of permissible charges for all health insurance services covered under a policy. These expenses have to be borne by the buyer.
The term “Dependent”, refers to child, spouse, parents, relative or any other person to be covered under family health policy. As per IRS rules and regulations premiums for policies purchased under ACA are eligible for tax credit benefits.
To get enrolled for federal healthcare benefits there is an open enrolment period that is effective from the 1st of Nov. to 15th Dec. Enrolment for ACA plan post the specified time period is called the special enrolment period.
The term “Preventive Care” refers to the health services needed for preventing illnesses or even diseases. Such services may include counselling sessions, routine healthcare check-ups or family members covered under an ACA plan.
The term “Embedded Deductible” refers to combining of individual & family health insurance deductibles for a family health insurance policy.
A non-embedded or aggregate deductible health insurance plan requires buyer to pay total family deductible amount out of pocket before the coverage begins. Insurer will thereafter start paying for the healthcare services of every individual member covered under the policy.
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