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Showing posts from April, 2026

How to get health insurance without a job

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  In this article: Why do I need health insurance? Employed vs. unemployed health insurance How to get health insurance when unemployed Programs for unemployed individuals Comparing options How to save FAQs Getting laid off unexpectedly or voluntarily quitting a job without a new position lined up can be a nerve-wracking experience for many. As you become unemployed, you lose important benefits, such as health insurance. It’s a scary situation to be in, as you never know when you might need to seek health care, as being uninsured can lead to ridiculously high medical expenses. Unfortunately, the United States  doesn’t have universal health insurance , so Americans must obtain insurance through their employer, apply to federal or state programs, or purchase it through the Health Insurance Marketplace or other insurance sellers. As you seek new employment, it’s vital to find supplemental insurance until you land a new role. The good news is that you have several coverage options...

Health coverage options if you're unemployed

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  Health coverage options if you're unemployed If you’re unemployed, you have options for health insurance: Option 1: Explore coverage options through the Marketplace Notice: The additional  savings   available because of the COVID pandemic ended on December 31, 2025. If you qualify for savings in 2026, you'll likely pay more for your Marketplace plan premium.  Update your application  to find out if you qualify for savings and compare plans to find one that meets your needs. You may qualify for cost savings based on your income and household size. With one application, you’ll find out if you’re eligible for a Marketplace health plan,  Medicaid  or the  Children's Health Insurance Program (CHIP) . Savings and eligibility are based on your household size and your estimated income for the year you need coverage, not by your employment status. If you’re unsure if you can afford coverage, apply first to find out if you qualify for savings on a Ma...