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Finding Health Insurance On Your Own

Posted on: March 19th, 2012 by Cobra Insurance Guide

Finding-Health-InsuranceFor anyone who is out of work, self employed, employed without health insurance, or in need of health insurance for any other reason, there are ways to find affordable health insurance that will provide you with the coverage you need as well as the piece of mind you want. Find health insurance on your own is a very important step to take because none of us can predict when a medical emergency may strike so we always want to be prepared. If you need to find health insurance on your own, here are some options to consider.

1.  COBRA Insurance:  COBRA insurance is a solid option for anyone who previously had health insurance with their job and meets the COBRA insurance requirements.  Most people do find that they are eligible for COBRA insurance which lets you continue your previous health insurance from your employer.  What many people don’t realize is that COBRA insurance can also be used by spouses going through a divorce who were covered under their spouse’s plan, children who no longer qualify as dependents, and even retirees.  COBRA insurance usually lasts for 18 months but in some cases can be extended for 36 months.

2.  United States Uninsured Help Line:  In the United States, the nonprofit group Foundation for Health Coverage Education is dedicated to helping people find health insurance options and understand what is available to them.  Based on your age, gender, household income, and health needs they will help you understand what plans you should consider as well as if you are eligible for state health insurance plans.  You can call them at (800) 234-1317.

3.  Independent Agents:  Athough many people are nervous and intimidated to call a private agent, mostly because we are worried we can’t trust them, sometimes they are the best place to turn.  Although they usually make a commission when they sell you insurance, they are very knowledgeable about what is available, what you will qualify for, and what options you should consider.  Also remember that just because you meet with an insurance agent does not mean you have to sign up for health insurance with them.  We always recommend getting a free health insurance quote on your own first so you know what to ask and what to look for.

4.  Preexisting Condition Plans:  In 2010 healthcare reform legislation was passed that created preexisting condition plans for people with preexisting conditions.  In the past most people found that if they has a serious condition they had no health insurance options but this is no longer the case.  You must have been without health insurance for at least 6 months to qualify for this type of plan.

5.  Healthcare.gov:  Many people like to use government websites to start their health insurance search because they believe the information is accurate and unbiased, which it is mostly.  One such site for health insurance options is Healthcare.gov which will ask you to answer a series of questions and then provide you with health insurance options from private companies.  You can also do this through EHealthInsurance and start getting health insurance quotes now.

 

 

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