subject: Health Insurance Plans For The Unemployed [print this page] If you are struggling with recently having become unemployed then you realize that the issues of unemployment reach well beyond just a loss of income. For most, a loss of employment also means a loss of their health insurance and life without health insurance can be pretty frightening.
Anyone who loses their job and was paying, at least partially, for a health plan will receive info about COBRA. Be ready to lay out some money, though, because this kind of insurance is paid by the insured rather than the employer. Basically, you will have to pay nearly twice the amount you paid for your insurance during employment, and that can be difficult with the circumstance that you are in currently.
There may be a way to alleviate the cost of the initial payments for this kind of insurance, where you can pay less for COBRA at first. But, understand that COBRA plan payments generally will be more than your previous health premium. Many government programs are available that help people without insurance, especially for families with children, and so looking into some of these is a good idea when you are in this situation.
While this is an option, it can be a costly one and many wind up turning to the government for health insurance assistance. Many times you will have family members who can receive health insurance benefits from the government especially if you have children but as a healthy adult you will find that these government programs offer you nothing.
You may be left with no alternative but to find health insurance coverage to protect you as you look for another job. If you are looking for a health insurance plan that is reasonable and is designed for the purpose of covering you while you are between jobs than you should try accessing information about temporary health insurance plans. These types of plans are designed for those who are looking to pay reasonable premiums but only for the short term while temporarily without insurance. Temporary health insurance plans can actually be more reasonable than other alternatives like COBRA because they offer lesser insurance but enough to get you by just in case some health issue arises when you are looking for a job. This can be the peace of mind that you need to move forward with your life, knowing that if anything happens you are covered.
by: Ethan Kalvin
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