How To Get Health Insurance If You Are Unemployed

Learn how to apply for marketplace coverage and find out if you qualify for medicaid the children s health insurance program chip or lower costs for a marketplace insurance plan.

How to get health insurance if you are unemployed. They may find affordable low premium options based on family income. An unemployed person can apply for health insurance on the federal or state exchanges. However even if you are unemployed you have several possible options for getting health insurance including through the affordable care act through medicaid or through cobra coverage. Losing health insurance that you got through your job is considered a qualifying event to enroll in a plan on all the health insurance exchanges or marketplaces created by the affordable care act.

Cobra is a federal law requiring employers to let former employees continue their health insurance coverage for up to 18 months after they lose their jobs cobra applies to companies with 20 or. You can get personalized attention at a local office for more information about health insurance for unemployed or enroll in a plan through the health insurance marketplace. Health coverage options if you re unemployed. Health insurance marketplace the open enrollment period for 2020 has ended but if you ve just left your job and lost your employer based health insurance you qualify for a special enrollment period that typically lasts 60 days.

If you received coverage from your health plan as an employee of the federal government you can visit the website of the office of personnel administration. Cobra coverage and the marketplace. Should they not find an affordable option they may qualify for an exemption medicaid or the chip. That means you can go to healthcare gov or your state run exchange and shop for a new plan.

If you re unemployed you may be able to get an affordable health insurance plan through the marketplace with savings based on your income and household size.