The statistic shows great numbers of Americans that are not
insured yet. For those who are unemployed, can’t find affordable health
insurance, or cannot afford the health insurance provided by your employer,
some options of affordable health insurance below may become your best choices. (Related Article: How to Get the Best Health Insurance)
COBRA
The first place where you can get affordable health
insurance is the Consolidated Omnibus Budget Reconciliation Act (COBRA).
It will become your best option to continue the health insurance from your
previous employers if you are not employed anymore recently. Besides, it will
be also a perfect choice for those who are going off to college, COBRA will
accept your application by continuing your parents’ insurance coverage. If you
recently lose your job or being in medical treatments, it will be a great
solution. Take it as one of your health insurance options and then choose the
best and most affordable one for you.
Worker’s Compensation Insurance
Many people sometimes don’t realize that they can find
affordable health insurance near them easily. For example, from the State’s
Workers’ Compensation program coverage. When you should get medical treatment
for injuries gotten in the work area, then the Workers’ Compensation program
should be the treatment offered by your employer.
Medicaid
Many people also often overlook Medicaid as their affordable
option of health insurance. Some people think that Medicaid is not for those
who have a job. In fact, Medicaid can also be purchased by families or
individuals that have low incomes. The eligibility requirements may be
different in every state. It means that you can try finding Medicaid if you are
working but still cannot afford any health insurance. Check if you or other
family members are qualified for Medicaid first before checking the other choices.
If you are not qualified today, always check the recent information about
Medicaid, because you may get the chance in the future when your state add the
health care benefits.
Medicare
All people must know that Medicare is another best
affordable health insurance and whether they are qualified or not for it. This
health insurance is offered by government and the Social Security
Administration is the institution that administers it. Medicare is a health
insurance options for those who have been 65 years old or older. Besides, those
who are disabled may be also qualified for Medicare with the Social Security
disability benefits.
State’s High Risk Health Insurance Pool
Some people are turned down from health insurance companies
for kinds of reason, including the high risks that make them less qualifies. If
you face the same problem, then you can find the health insurance from the high
risk insurance pool available in your state. Perhaps, it is not an affordable
option of health insurance, but it can be the best health insurance option for
family or individual if you are not qualified for COBRA and you have
pre-existing conditions that make it difficult to find an affordable health
insurance.
Therefore, just choose one of the health insurance above when
you are unemployed and need to buy a new health insurance policy for you and
family members.
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