The views of this article are the perspective of the author and may not be reflective of Confessions of the Professions.
Millions of Americans typically get their health insurance through their employers, but what happens when you lose your job or don’t work enough hours to qualify? So what are your other options? Here are a few ideas for obtaining health insurance when you can’t get it through your job.
If you’re healthy and don’t have any pre-existing conditions, you may be able to find an affordable health insurance plan by shopping around on your own. There are a number of websites and health insurance companies out there, such as American Eagle Health Insurance, that allow you to compare different plans and prices that should work for you.
If you have a pre-existing condition, it may be more difficult to find an affordable individual health insurance plan on your own, but it’s not impossible. Insurance companies are required to provide coverage for people with pre-existing conditions, and there are a number of state and federal programs in place to help make coverage more affordable.
Health cooperatives are groups of people who band together to purchase health insurance at a discounted rate. Many churches and other organizations also offer membership associations that include health insurance as one of the benefits.
Some membership associations, such as the Freelancers Union, are open to anyone, regardless of employment status. These types of membership organizations usually offer a variety of benefits, including health insurance, dental insurance, and life insurance, as well as discounts
If you’re low-income or have a pre-existing condition, you may qualify for coverage through a government program like Medicaid or CHIP (the Children’s Health Insurance Program). These programs vary from state to state, so be sure to check with your local Department of Health and Human Services office to see if you qualify.
There are several options available for those who cannot obtain health insurance through their job. These include purchasing your own plan, joining a health cooperative or membership association, or looking into government programs. With so many options available, there is no need to go without health insurance.
About the Author
Kara Masterson is a freelance writer from Utah. She graduated from the University of Utah and enjoys writing and spending time with her dog, Max.