All of a sudden you become unemployed.? Now you have a dilemma ? how to find insurance for unemployed people?? It can be difficult to find insurance you can afford while maintaining the quality of coverage you enjoyed while employed.
If you were laid off or resigned you have 60 days to apply for COBRA.? COBRA will allow you to keep exactly the same individual health insurance benefits you had while employed.? The catch is that now you have to pay the monthly premium.
Some employers require you to pay a portion for your insurance while some may not have.? Either way, you will now possibly be paying double or triple than what came out of your paycheck. This is of course, because your employer contributed to part of that premium.
It is a good idea to sign up for COBRA?to prevent any gaps in your insurance coverage.? One of the other things to consider is COBRA typically lasts only one year.? If you are unsure of finding a job in that amount of time, it is best to look for alternatives.
Even if you are confident you will find a job soon, you may want to look at short term health insurance; it?s possible you could find a plan that is cheaper than COBRA.
If you think it will take longer than that to get a job, then it?s time to do some shipping for a private insurance plan.? Do some research and compare plans to get the best coverage for the lowest price.
It is also possible your state offers some type of health insurance if you are unemployed.? Again, do your research because it?s possible the state?s option may be more costly than private insurance.
Okay, now you have to make some adjustments.? How are you going to afford to pay for health insurance?? Your health insurance payment was helped by your employer and now that is gone.? Your normal paycheck is gone and the insurance premiums seem impossible to afford.
You must review your budget and get rid of anything that is not essential, keeping only what is absolutely necessary.? Look at all the options before buying anything.? Get several quotes (and what coverage is provided) to make sure you are getting the best bang for your buck.
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Source: http://twistedladdermedia.com/health-insurance-for-unemployed-people/
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