Health Insurance
For decades Americans had historically high rates of being uninsured. Obamacare or the Affordable Care Act (ACA) health insurance reforms improved access and affordability to many Americans. For the first time, health care options have opened up to many Americans. Since the ACA passed, 16.4 million previously uninsured Americans now are insured. 12.3 million more Americans are now enrolled in Medicaid, and there are various other plans now available through the Marketplace like Children’s Health Insurance Program (CHIP).
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When Looking for Affordable Health Care Insurance Know Your Options
Before you start looking for yourself, if you have a partner or spouse, find out about their health insurance coverage first, many health insurance companies and plan sponsors have changed the rules for domestic partner health insurance and you may be eligible. You may be able to be added very easily. You may also want to check if you qualify to be added to your parents' policy or a student insurance plan.
If none of those are possible, here is a list that you can go through to see if you qualify for any of these options.
Finding Low-Cost Health Insurance Tips:
With more options opening up, understanding the differences in types of health insurance policies becomes really important, Make sure you understand the terms of your health insurance so you don't end up spending more money due to higher out of pocket costs, lifetime maximums or through coinsurance and deductibles.
Some plans also offer advantages if you are in a network because you may not have to fill in health insurance claims forms, and you will get lower rates. All of these things impact how much money you have to front or be responsible for. The premium should not be your only consideration.
List of 10 Health Insurance Options to Check When You Have No Job or Little Money
Although some of the places to find low-cost health insurance on this list may seem familiar to you, given the high number of Americans who are eligible for affordable health insurance, but are not enrolled in any program, you should read through the full list before making any decisions and investigate all your possibilities.
The ACA eliminated many previous restrictions and raised eligibility for many people who did not have low-cost options before the reforms, this changes how you would look at the options available. Continue reading to view the full list of top 10 health insurance options when you have no job, or little money, keep in mind that you may now be eligible for something that you didn't think possible before
Your Options to Find Low-Cost and Affordable Health Insurance Coverage
Affordable health insurance programs include:
M•Consolidated Omnibus Budget Reconciliation Act (COBRA)
Workers' Compensation
More People Qualify for Medicaid, Look Into This Health Insurance Option
Medicare
The Health Insurance Marketplace for Pre-Existing Conditions
Short Term Health Insurance Coverage
Group Insurance from Organization Memberships
Group Health Expenses Sharing Plan
Health Care Sharing Ministry
Health Insurance Discount Cards
