If you’re unemployed, there are several options available for you to get health insurance:
- Health Insurance Marketplace: You may be able to get an affordable health insurance plan through the Marketplace, with savings based on your income and household size.
- COBRA: If you have recently lost your healthcare because you lost your job, one way to replace your insurance is through COBRA (the Consolidated Omnibus Budget Reconciliation Act), which gives people the right to remain enrolled in their old employer’s group health plan by paying for it out of pocket.
- Medicaid and Children’s Health Insurance: If you’re laid off, your suddenly low income may qualify you for Medicaid or the Children’s Health Insurance Program.
- Short-Term Health Insurance: If you don’t meet the criteria for a Marketplace plan, you can also consider a short-term health insurance plan.
- Individual Private Health Insurance and High-Deductible Health Plans: These are other options that you can consider.
Remember, health insurance pricing and availability is regional—right down to the county level. That’s why your state insurance department is a great place to turn for assistance if you need additional help finding health coverage. It’s important to explore all these options and choose the one that best suits your needs and circumstances.