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Many people are jobless and so they cannot afford individual or family health insurance. Others may have jobs but then with their salary and the expenses they still cannot afford their employer's offer of health insurance. You can actually find in the market low cost and affordable insurance as well as other insurance options.
It would be wise to start with COBRA or Consolidated Omnibus Budget Reconciliation Act. If you are currently unemployed, you may be qualified to continue your health insurance of your previous employer through COBRA. Those who are off to college may as well continue their parent's health insurance through COBRA too. For individuals who have lost their employment and are undergoing medical treatments, this is a very good option should you decide to change your insurance plan as your current medical condition may not qualify you for another.
For injuries related to work, your employer is obligated to offer treatment under your state's worker's compensation program.
Even if you are gainfully employed you may still qualify for Medicaid. Low income individuals and families can expect Medicaid to shoulder their health care expenses. Each state has a different set of requirements so checking for your eligibility would depend totally on which state you live. Many health benefits for low income families are being provided by the various states. You may not qualify for a Medicaid now but keep yourself updated with their eligibility requirements for you may qualify in the future when you may most need it.
You may have pre-existing conditions that result in your being turned down by insurance companies when you apply for individual health insurance plans. You can obtain health insurance if your state has high risk health insurance pool. Though this is not an affordable choice should you not qualify for COBRA, this is an insurance option available that will pay for your health expenses despite your pre-existing conditions.
Individual and family health insurance plans are available and basically work in a similar manner as what employers would normally offer their employees. You cannot expect them to be at the same rate as what would normally be charged when you get insurance from your employer since you cannot avail of the group insurance discount and also you don't have your employer helping you with the costs. A downside though would be the required medical exam and a clause on your pre-existing conditions (which is usually not covered).
Available also is short term health insurance coverage most ideal for people who are still in between jobs but who would soon be starting regular work. This is affordable and works on the same principle as your typical health insurance plan but covers you for only a specified period.
A source of affordable health insurance that is basically overlooked by most people is organization membership group insurance. These organizations don't help you pay your health insurance premiums but with the group discount given you can expect lower rates.
Gather all the available options that you have and choose the best health insurance plan that suits your needs and fits your budget.
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