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What Insurance Can I Get If I Am Unemployed

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How Big Will Your Subsidy Be


You can use our subsidy calculator to see the subsidy amount that will be available to you. For people receiving unemployment compensation, the exchange will disregard any income above 139% of the poverty level for 2021.

The 2020 poverty level numbers are used to determine subsidy eligibility for 2021, so you can find the poverty level for your household size, multiply it by 1.39, and enter that number into the subsidy calculator. And if you need help finding a plan, our direct enrollment entity can provide assistance.

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.

Can I Get Health Insurance Without A Job

BY Anna Porretta Updated on August 02, 2021

If you lose your employment for any reason, one of the biggest concerns is how to ensure your potential medical needs are covered. The good news is you can get health insurance without a job. While group health insurance is not an option for those without an employer, you can still qualify for individual or family plans. Individual health insurance offers all the same coverage options as you may find from employer-sponsored plans.

If you are unemployed, your employer doesnt offer health insurance, or you do not qualify for benefits offered at your job, you still have a few health insurance coverage options:

  • Affordable Care Act insurance
  • Individual or family health insurance

Most Americans do get their health insurance through their employer. According to a 2017 survey by the Kaiser Family Foundation about half of Americans get employee sponsored health insurance.Even if youre in the minority, you can still find unemployed health insurance thats right for you, your situation, and your budget. At eHealth, our licensed brokers have the expertise and experience to help you find the best individual or family health insurance plan for your needs and budget.

How Can I Get Health Insurance Without A Job

Group insurance through an employer may be the most common way to obtain health coverage, but it is not the only one. If you find yourself unemployed, a Special Enrollment Period allows you to enroll in an individual or family health plan within 60 days. Other events that might make you eligible for an SEP include:

  • Changing your marital status
  • Having a baby
  • Becoming a US citizen
  • Moving to an area where your current plan is notoffered
  • Losing health insurance from your employer

Once you enter your SEP, you can shop for unemployed health insurance on the exchange offered by your state or through a licensed broker like eHealth. If you choose a plan that is compliant with the Affordable Care Act , you may qualify for subsidies if you cant afford your health plan on your own. With increases in subsidies due to the ARPA, more people are qualifying for subsidies than ever before.

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Health Insurance For Unemployed Individuals: What Are Your Options

Your search for affordable Health, Medicare and Life insurance starts here.

Call us 24/7 at or Find an Agent near you.

Finding health insurance for unemployed periods can help relieve the stress of the unknown. Whether you’re temporarily out of work or waiting on coverage to start for a new job, it’s important to maintain major medical insurance while unemployed to help with healthcare costs in case of an emergency. No matter your unique circumstance, you have options when it comes to finding insurance for unemployed people. Whatever position you find yourself in, there is a way for you to get health insurance.

In 10 questions, we can help you discover your options with our Coverage Finder Tool, or you can read on to learn more.

Best Health Insurance Companies For The Unemployed Of 2021

Can I Collect Unemployment If I

Why We Chose It: United Healthcare is our top choice for the unemployment health insurance category thanks to their expansive network, an impressive range of added benefits, and flexible TriTerm policy allowing up to three years of coverage.

  • Online quotation and purchasing system

  • Large provider network

  • Smartphone app that integrates with medical records

  • Options without special enrollment periods

  • Added health and wellness benefits

  • Not available in some locations

  • More expensive than some providers

Unemployment often represents uncertainty. For those who are unsure if and when employer-sponsored health insurance will begin, their TriTerm cover of up to three years is an ideal option. This makes United Healthcare an easy choice for our overall top pick for unemployed insurance.

United Healthcare is a giant among health insurance providers, with a network covering more than 1.3 million doctors and 6,500 hospitals in the United States. With an A rating for their financial stability from AM Best, United also boasts an unparalleled range of benefits and a massive range of plans.

Available policies extend to individual health insurance, group options, dental, and vision. They also offer Medigap, Medicaid, Medicare Advantage, and prescription drug plans.

These prices are higher than most competitors, which was a drawback of the United Healthcare policies.

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How Much Income Protection Do I Need

How much income protection you need depends firstly on how much you earn, and secondly your monthly expenses or bills.

To calculate how much cover you need, list your monthly expenses such as mortgage or rent payments, credit card payments, utility bills and food expenses. The point of income protection is to not improve your financial circumstances but to get you through a difficult period and cover your most important expenses. This is why insurers only pay out a percentage of your income.

The lower the amount of cover, the lower your premiums will be.

Life Insurance When You’re Unemployed

There are a lot of factors that go into qualifying for life insurance. These can include everything from your height to your overall health to your family health history.Many insurers also consider your job and financial situation. If you’re currently unemployed, a lack of steady income may impact your life insurance application, potentially causing postponement or rejection.However, that’s not to say you’re out of options if you’re unemployed and looking for life insurance. Every insurer has their own underwriting guidelines, so employment isn’t always a barrier to getting the coverage you need.If you’re currently unemployed and want to know how to get life insurance coverage, here’s what you need to know.

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If You Qualify For Cobra Premium Assistance

If you qualify for COBRA continuation coverage because you or a household member had a reduction in work hours or involuntarily lost a job, you may qualify for help paying for your COBRA premiums .

COBRA premium assistance is available April 1, 2021 through September 30, 2021 under the American Rescue Plan Act of 2021, based on when your COBRA coverage starts and how long it can last.

If you qualify:

When your COBRA premium assistance ends, you can enroll in a Marketplace plan with a Special Enrollment Period. If you know your COBRA premium assistance is ending September 30, 2021, you can report a “loss of coverage” to qualify for a Special Enrollment Period starting August 1, 2021.

  • When you apply for Marketplace coverage, tell us youre losing qualifying health coverage, and provide the last day that youll have COBRA coverage with premium assistance.
  • For most people, premium assistance will end September 30, 2021, but you may also qualify for a Special Enrollment Period if your COBRA coverage ends sooner.

To learn more about eligibility for COBRA premium assistance, including more on your eligibility for COBRA continuation coverage or COBRA premium assistance, visit the U.S. Department of Labor at

My Regular Unemployment Compensation Benefits Do Not Provide Adequate Support Given The Unprecedented Economic Challenges Caused By The Covid

I am Now Unemployed

Yes, depending on how your state chooses to implement the CARES Act. The new law creates the Federal Pandemic Unemployment Compensation program , which provides an additional $600 per week to individuals who are collecting regular UC and Unemployment Compensation for Ex-Servicemembers , PEUC, PUA, Extended Benefits , Short Time Compensation , Trade Readjustment Allowances , Disaster Unemployment Assistance , and payments under the Self Employment Assistance program). This benefit is available for weeks of unemployment beginning after the date on which your state entered into an agreement with the U.S. Department of Labor and ending with weeks of unemployment ending on or before July 31, 2020.

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Who Should Consider Short

Temporary medical insurance is ideal for people who:

  • Need affordable health insurance for a short period of time.
  • Need temporary health insurance for unemployed periods of time.
  • Need to buy health insurance when leaving one job and starting a new one.
  • Are seasonal employees who need temporary health insurance.
  • Are college students who aged out of a parents policy.
  • Retired early and need coverage until their Medicare benefits begin.
  • Missed the Open Enrollment Period and dont qualify for a Special Enrollment Period .
  • Cannot afford, or do not want to purchase, COBRA insurance
  • How To Get Life Insurance If You’re Unemployed

    There are things you can do to improve your chances of getting approved for life insurance if you’re unemployed:

    • Lower your coverage need: You can try to apply for a smaller coverage amount that covers basic needs, such as funeral costs, until you are back on your feet again.
    • Consider more affordable insurance: If you’re working on a budget, a term life insurance policy might be a good fit. It’s generally much less expensive than other options and will provide coverage for a set period, anywhere from 10 to 40 years.
    • State your case: Before you start your application process, get a copy of your resume and write a letter that explains your situation. If you’re recently out of work with a good chance of being employed again in a similar role, your insurer could be more likely to approve your application.
    • Reveal all your assets: Being a homeowner or having other assets makes you less of a risk for nonpayment or a policy lapse. Having these assets helps demonstrate you are financially responsible.

    The most important thing to remember is not to let your circumstances prevent you from applying for life insurance coverage. Many quality insurance companies work with people on a case-by-case basis, helping you find the plan that will work best for your situation.


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    Am I Eligible For Regular Unemployment Compensation

    Each state sets its own unemployment insurance benefits eligibility guidelines, but you usually qualify if you:

    • Are unemployed through no fault of your own. In most states, this means you have to have separated from your last job due to a lack of available work.
    • Meet work and wage requirements. You must meet your states requirements for wages earned or time worked during an established period of time referred to as a “base period.”
    • Meet any additional state requirements. Find details of your own states program.

    Look Into Your Credit Score

    Can I get Car Finance if I am Unemployed?

    If you have a good credit score, youll have a much better chance of getting a car loan. If your score is excellent, your interest rate may be low as well.

    • 300-579: Very Poor
    • 740-799: Very Good
    • 800-850: Exceptional

    You can check your credit score for free on sites like Experian and Credit Karma. Though bad-credit car loans are available, they come with less-than-perfect terms. Before shopping for a car, you may want to increase your score by paying off your debts, examining your credit history to see if there is any incorrect information being reported and paying your bills on time before you try to buy a car. Closing down credit cards could cause your credit score to drop . Hard inquiries into your credit which occur when you apply for some types of loans and cards could also temporarily decrease your score.

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    Get On Your Spouse’s Domestic Partner’s Or Parent’s Health Insurance

    If your spouse or domestic partner’s job offers health insurance coverage to employees’ spouses and dependents, getting added to their plan can be a simple solution.

    A spouse’s or partner’s health insurance is a known quantity: Your spouse is already familiar with the benefits, costs and deductibles, and knows the level of coverage, which can help in assessing its value. On the other hand, if their coverage doesn’t fit your needs, you may want to explore other options.

    Normally, you can enroll in health insurance only once a year, during “open enrollment,” which takes place in the fall. However, leaving your job is considered a qualifying event, and gives you 30 days to sign up for your spouse’s or partner’s plan no matter the time of year. You’ll need to complete an application and may need to provide proof that you are losing your health insurance.

    Can You Be Eligible For Medicare Before Age 65

    In some cases , you may be eligible for Medicare under age 65.

    • You have been receiving Social Security disability benefits for at least 24 months
    • You receive certain disability benefits from the Railroad Retirement Board and
    • You have Lou Gehrigs disease
    • You have permanent kidney failure requiring regular dialysis or a kidney transplant .

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    Can I Get Life Insurance If I’m Unemployed

    The answer is: it depends.Just because you don’t currently have a job, it doesn’t mean you are automatically going to get rejected from a life insurance policy. While it is one of many factors that an insurer will consider with your application, it’s not the only factor.Depending on your situation, your insurer might review your application more rigorously than it would if you were fully employed. So, if you are out of work and applying for life insurance, prepare for a longer process during which you may be asked more questions than if you were still employed.

    Can I Still Get Life Insurance If Im Unemployed

    Health Insurance While Unemployed?

    08 Jul 2021

    While life insurance can be a sensitive subject to tackle, it is nonetheless worthy of serious consideration. The Covid-19 pandemic has brought this into sharp focus, but it has also resulted in enormous economic disruption and a great number of job losses across the globe, leaving many people wondering whether they can still apply for life insurance if they are unemployed?

    The answer is clear: you can take practical steps to care for your loved ones should something happen to you, whether working or unemployed. There are, however, some factors to consider when applying for life insurance if you are unemployed.

    The status of your health, assets and unemployment period are aspects that insurers will seek to understand before writing a policy. For example, if you recently retired and have accumulated savings over the course of your career, this will be a positive factor in your application.

    A life insurance policy need not be expensive, with shorter-term, affordable policies based on your current employment status widely available.

    Should you find yourself unemployed in the UAE and seeking life insurance, insurers will ask for a valid UAE residence visa and a document detailing your assets that will enable your insurer to recommend the policy that best fits you.

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    The Factors That Life Insurance Companies Consider

    If you’re unemployed and applying for life insurance, one of the first things the insurer looks at is how long you’ve been out of work. Generally, long-term unemployment is when you’ve been out of work for six months, though that can extend a bit during times of economic hardship like recessions.If you’ve been unemployed for six months or less, and are actively searching for a job, many insurance companies may move forward with your application and consider your previous income level as a guide.If you’ve been unemployed for longer than that, the insurer will often want to know why. Depending on the situation for example, you’re in graduate school or a stay-at-home parent the insurer will take those factors into consideration when deciding on coverage.Some people with disabilities don’t work, sometimes because they can’t due to their disability or a related illness. In this case, it can be harder to get coverage.

    Investigate Marketplace Health Insurance

    Health insurance plans that meet Affordable Care Act requirements are sold through the Health Insurance Marketplace at some states have their own marketplaces. It’s worth investigating Marketplace coverage before making any insurance decisions, because you may qualify for tax credits that will pay part or even all of your premiums.

    All Marketplace plans must cover preexisting conditions and 10 essential health benefits, including prescription drugs, maternity care and mental health care. Plans come in four “metal” levels: Bronze, Silver, Gold and Platinum. Bronze plans have the lowest premiums, but they cover only about 60% of your health care costs and have high deductibles, so you’ll pay more out of pocket if you need care. Platinum plans have high premiums but low deductibles and cover about 90% of your health care costs. Silver and Gold plans fall somewhere in the middle. In addition to tax credits, you might also qualify for “cost-sharing reductions” that lower your out-of-pocket costs for deductibles, copayments and coinsurance if so, you must buy a Silver plan to take advantage of these reductions.

    Normally, you can only purchase Marketplace plans during open enrollment. However, when you lose job-based health insurance, you qualify for a Special Enrollment period and have 60 days to enroll in a Marketplace health plan, regardless of the time of year.

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