HEALTH INSURANCE OPTIONS FOR THE UNEMPLOYED

If you suddenly find yourself without a job, your mind is probably wondering what you’re supposed to do about health insurance in Missouri. If this is the case for you, there are a few health insurance options for the unemployed. Continue reading to learn more about obtaining affordable health insurance in Missouri during your period of unemployment. COBRA Before the Affordable Care Act, there was only one option for obtaining health insurance in Missouri when in-between jobs - COBRA. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives employees who lose their job the right to keep their health insurance coverage for typically up to 18 months. However, this is a more expensive and short-term solution. While it is still an option, health insurance companies in Missouri suggest comparing COBRA to plans on the Marketplace. Special Enrollment If you lose your job, you qualify for a Special Enrollment Period. Essentially, this means you can apply for affordable health insurance in Missouri on the Marketplace outside of the Open Enrollment period. Other life changes that qualify one for Special Enrollment include getting married, having a baby, getting divorced, etc. You typically have 60 days to enroll in a plan from the day you lose your coverage. CHIP CHIP, which stands for Children’s Health Insurance Program, provides coverage for children, and sometimes pregnant women, whose families don’t necessarily qualify for Medicaid or private insurance. Going without health insurance in Missouri shouldn’t be an option. If you find yourself without a job, you should not skip out on coverage. You never know when you or a family member will become injured, and being without health insurance in Missouri during that time can put you in severe financial ruin. For help navigating the Marketplace or to learn more about your options, give us a call. You can even receive a health insurance quote in Missouri right on our website.

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