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When you lose your job, not only do you lose your financial security, you lose your health insurance benefits as well. A job can be a big part of a person’s self-esteem and when it is lost, a person can suffer from things such as depression and other health concerns. This is why obtaining a health insurance for unemployed policy when you have become unemployed is extremely important. When looking for an affordable health insurance plan when you are unemployed you may feel that it is impossible to find one. However, if you know the right place to look and have some patience and determination you will find that an affordable plan is in your reach. Insurance companies have plans designed for individuals who are self-employed or are not offered coverage through their employer’s health plan. These same types of policies can work for someone who is unemployed as well. When you first lose your job, it is important to determine whether you are eligible for COBRA. COBRA has made it possible for individuals who have been terminated or laid off to keep their current health insurance policy for a period. If you have recently been terminated or laid off contact your former employer to see if you qualify for this type of plan. Another option for someone who finds themselves unemployed is to look for a short-term health insurance policy. Short-term health insurance plans are specifically designed for people who are unemployed. The rates of these policies are normally kept low, so someone without a job can afford them. If you are actively seeking employment, this type of plan will give you 6 to 12 months of coverage during this period. The third option for finding an affordable health insurance plan should you become unemployed is to contact your state department. Many states have health insurance programs available at a low cost to their citizens. If you meet the income requirements for the plan, you will be able to become insured under it. It is important to obtain at least the minimum amount of insurance to make sure you are covered in case a major medical mishap occurs during this time. Just because you no longer have, a job does not mean that your health needs have changed in any way. You may have to take a bit of time to search for a policy, but affordable health insurance is available.
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