While the employees have advantage of having health insurance as one of the many perks of their jobs. A single individual who is not doing any job can also get a good health insurance policy. For this purpose you need to go to some different methods. Down below are some of these techniques.
COBRA
The Consolidated omnibus budget reconciliation act is the fastest and easiest way to get a good insurance policy even without a job. Say your job and deed and you like your employer’s insurance plan. The COBRA, lets you keep the same insurance plan for up to 18 months after your previous job. There’s only one inconvenience , COBRA only provides insurance to you if your previous company had 20 or more employees.
Its coverage costs heavily. But no matter what it still provides good options which you can take to maintain your current health insurance.
Join Some Family Members Plan
60% of people working in the United States get health insurance plans from their employers up to the age of 65. If you have a family member you can join through them. The insurance policy and its regulations such as subsidies, premium and deductibles will cost according to the company’s rules and regulations.
Look at the ACA health insurance marketplace
The ACA also known as the Affordable care act has an insurance market a.k.a. exchange. Where you can find different insurance policies. You can take considerations, and compare different health insurance policies for you and your family.
The cost of the insurance varied due to numbers of family members, your income tax tier and location. Various premiums and deductibles are provided at the exchange.
If you want to enroll through the exchange then first November to 15 January are your dates. The insurance companies enroll only between this period of time. You can check if you are eligible or not.
Government Programs are also helpful
Some of the government funded programs are also providing health insurances that too in many great deals. Medicaid is a government program. Which provides health insurance to handicapped, pregnant women and people with not many financial resources. The eligibility criteria is different in each state.
Private insurance
There are several private insurance providers who will give you much better policy than any other company. You can approach them online or visit their office. This type of insurance providers usually do not cost as much as other companies. But they have a certain period in which you can enroll otherwise the facility does not let you enroll.
Conclusion
As we always say, it is much better to do your research completely and then compare the insurance policies. This helps you check in the insurance companies perfectly so you choose the ones that suit you most better.