Health insurance

Health insurance options for unemployed beyond COBRA USA Today

07.06.10

•Maintain COBRA coverage for as long as possible. While the COBRA subsidy expires after 15 months, COBRA is available for 18 months. The difference, of course, is that your premiums will skyrocket. Families USA, an advocacy group, estimates that the average family pays $1,107 a month for unsubsidized COBRA premiums.

Still, if you can scrape together enough money to pay the premiums for a month or two, you'll buy some time to explore other coverage options, says Phil Lebherz, executive director for the Foundation for Health Coverage Education, a non-profit supported by insurance companies.

That's particularly important if you or someone in your family has a serious health problem. A lapse in coverage could make it much more difficult — if not impossible — to get health insurance for a family member with a pre-existing medical condition.

•If you're under 26, find out if you can get on your parents' plan. A provision in the health care reform bill allows adult children who don't have access to employer-provided insurance to remain on their parents' group plan until age 26. Adult children don't have to be full-time students or dependents to qualify.

Source:

Individual And Family Health Insurance Quote - News

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