Health Insurance Options for the Unemployed
The following options are available to you:
Individual health insurance policies may be an option for people who do not have access to job-based coverage. The Affordable Care Act, the federal health reform law enacted in 2010, provides new protections and improves access to affordable coverage options.
COBRA allows individuals and their dependents the opportunity to continue their job-based health insurance coverage even after employment ends.
Many states provide individuals and families the option to convert their group health plan into a non-group health insurance policy that is purchased from their former insurer.
Some states offer continuation coverage that allows individuals and their dependents the opportunity to continue their group health insurance coverage even after employment ends. This coverage is only available to companies with 20 or fewer employees.
HIPAA-eligible individuals are provided protections under federal law when they lose their group health insurance coverage. These individuals have the opportunity to elect new coverage regardless of their health status.
Medicaid provides medical care to certain individuals and families with low incomes and resources.
Most pharmaceutical companies have established patient assistance programs to help uninsured individuals get the medications that they need to stay healthy.
If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free to patients or require a very small fee. Find a clinic in your area.
For additional information about health insurance options for the unemployed within health care reform, please visit http://www.healthcare.gov/foryou/conditions/need or http://www.cuidadodesalud.gov/enes/foryou/conditions/need for information in Spanish.
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