Health Insurance Option for Unemployed Individuals
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Health Insurance Option for Unemployed Individuals
If you are unemployed, you can still find options for affordable health insurance. You may check into cobra which will help to convert your previous group health insurance policy into an individual insurance policy. There is also the state continuation plan which enables you to continue the coverage of your former group insurance plan for a particular time period.
But the problem exists when a person's previous employer did not offer any health insurance benefit while he is under the employment. Some employers do not offer health care programs for employees because this is not in general, a legal requirement. You may not also be eligible for a health benefit package if you are working as a part timer on your previous job.
If the former job you are in did not offer you any health insurance benefit, you may not be qualified to ask for assistance by using cobra, state continuation or conversion. Your most viable step for this matter is to contact the department of insurance in your state. This is for you to gain information regarding any health insurance plan that they provide for the unemployed, or one that is suitable for your budget. You may also ask if whether you are eligible for any health care sponsored by your state.