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Health Insurance options if you’re unemployed The help you need to find the insurance plan you want

Getting low-cost health coverage if you’re between jobs doesn’t have to be difficult. Let’s find the plan for you.

Shop plans now  Get a better health plan. Opens in new window or Call us at 844-260-6811

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Health care coverage if you’re unemployed We’ll help you find the plan that fits your needs and budget.

Assurance, a Prudential company is one of America’s leading health insurance services—helping thousands of people who’ve lost employer health coverage find a quality, affordable plan. Unsure of your options? Feeling a little overwhelmed? Here’s what you can do right now.

 

  • Look to us to help you find, select, and quickly enroll in a health plan that protects you and your family during this challenging time
  • Call our licensed agents any time to ask questions and get guidance on getting the right plan for your needs and
    budget
  • Let us do the work as we quickly compare available policies, benefits, and costs from respected health insurance carriers in your area
  • Keep it simple—we’ll guide you through a user-friendly experience that makes it easy to help you get the coverage you need in just a few steps

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Low-cost, short-term health plans let you bridge the “insurance gap” between jobs

Short-term health insurance is flexible, temporary, affordable coverage—especially popular with people who need a bridge between longer-term health plans. They also help cover basic medical needs that might cost you thousands of dollars if you remain uninsured. That’s why we carefully sort through providers and premiums to find you the right coverage at the right price.

Added benefit: You can enroll in a short-term plan at any time.

 

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ACA plans provide comprehensive, longer-term coverage based on your budget

Even if you’re unemployed, you may have a choice of affordable health plans that offer “essential” benefits required by the Affordable Care Act of 2010. Does your family need a wider range of benefits? Planning to work independently? Your income level and where you live could make ACA health coverage your best option—and we’ll help find the plan you need.

Special enrollment period: Now open Feb. 15th – May 15th

 

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Questions? We can discuss any coverage you may need. Call 844-808-0809.

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Employer-based COBRA plans

COBRA allows you to pay out-of-pocket to temporarily continue the insurance coverage you had through your employer.

Government Medicaid plans

Medicaid plans are need-based health insurance programs available to individuals in certain income brackets.

Parent-sponsored coverage

If you are under 26 years old, you may be able to re-enroll or remain covered by your parents’ health insurance plan.

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FAQs: Health insurance if you’re unemployed

Looking for some perspective on what to do next? Here’s a good place to start.

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  • If you become unemployed, you can keep your employer-based plan or enroll in a new one.

    It is very important to avoid a “gap” in which you are not insured. Your options if you lose your job include:

    • Continuing your previous insurance for up to 18 months through an employer-based COBRA plan by paying all the premiums yourself
    • Enrolling in Medicaid if you meet certain income requirements and other conditions, or Medicare if you are age 65 or older
    • Signing up for short-term health insurance which generally offers lower premiums than ACA plans and less coverage
    • Purchasing an Affordable Care Act (ACA) health plan, which provides essential benefits but limits the period in which you may enroll

  • Generally, you can keep your plan without interruption or get new coverage immediately.

    If you decide to continue on your company’s COBRA plan, your coverage will be uninterrupted. Short-term plans also allow you to enroll at any time. Additionally, because losing a job is a “life qualifying event,” you can enroll in ACA coverage outside of the usual open enrollment periods.

  • A special enrollment period will take place from February 15, 2021 through May 15, 2021 for individuals and families for ACA marketplace coverage in response to the COVID-19 pandemic. The special enrollment period is for the 36 states served by the Health Insurance Marketplace.

  • You can find out if you’re eligible by visiting HealthCare.gov Opens in a new window or by contacting the marketplace call center. If you’re interested in enrolling in Medicaid or the Children’s Health Insurance Program, you may already be eligible for existing special enrollment periods.

  • If you’re eligible and enroll during the special enrollment period, your coverage will begin on the first of the month after you’ve selected a plan.

  • No, a change in the law removed that mandate in 2019.

    However, some states—such as California—have passed their own regulations pertaining to health insurance coverage. Either way, going without health insurance can leave you open to enormous costs if you are injured or get sick. Even an emergency room visit can cost thousands of dollars and can leave you and your family with crippling medical debts.

  • COBRA can be a costly option after you leave your job, depending on the plan you had.

    Though COBRA lets you continue your employer-sponsored health insurance uninterrupted, your employer no longer has to pay a certain percentage of the insurance, so you’re responsible for the entire cost yourself.

  • Obviously losing a job means losing an income, so Medicaid may be a good option. But a low or loss of income alone does not qualify you to receive Medicaid. You must also be a U.S. citizen or qualified non-citizen. A Medicaid representative in your area can help you determine whether you are eligible.

  • If you need your short-term insurance coverage to continue longer than anticipated, contact your insurance representative. Short-term insurance plans can often be extended, but it will depend on your specific plan and provider.

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Finding the health coverage you need now is easier than you think

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Call or start online and tell us about your situation, needs, and budget 

Find the right plan for yourself or your family 

Get covered quickly when you apply online and speak with our licensed agents  

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Need-to-know articles to help you stay informed

Here’s a great chance to learn more about your health insurance options.

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Changing Jobs: Potential Gaps in Coverage
Health Insurance During COVID-19
How Short-term Health Insurance Plans Work

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Look to these online resources for more information on related topics

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Find the affordable health insurance you need right now.

Call 844-260-6811 or visit us online today.

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Footnote

Assurance IQ, a wholly owned subsidiary of Prudential Financial, Inc., matches buyers with products such as life and health insurance and auto insurance, enabling them to make purchases online or through an agent. Neither Prudential Financial, Inc. nor Assurance IQ offers, underwrites, or administers health plans or health insurance policies.

 

For Compliance Use Only:1044598-00002-00