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Losing a job is often the most distressing part of an individual’s life. After all, they have lost their only source of income. Now, who’s likely to bear responsibility for all the household bills? Not to mention that the employer’s group health coverage is also gone with the job gone. If you’re in such a situation, we can understand your pain. But don’t worry. If you’re a family highly dependent upon health insurance, here are some great ways to get health insurance during unemployment.

Let’s get started.

Short-term Health Insurance

This is a great option if you’re looking for quick temporary coverage. Short-term health insurance can last anywhere from 30-90 days and is perfect for covering emergencies and providing the necessary coverage.

If you’ve resigned and won’t start a job for a few months, getting short-term health insurance is a quick fix. But before you acquire a plan, here’s what you should know:

  • It Won’t Cover Everything

You’ll not get the same treatment and coverage as your employer group insurance plans. This temporary fix will cover some intensive care costs, inpatient/outpatient care, and emergency room visits. However, you cannot expect temporary insurance to pay for maternity care, preventive services, or pre-existing conditions.

  • Expensive

Although the premiums are usually affordable, and you can start with the coverage within 24 hours, the out-of-pocket costs and deductibles can be pretty high. Hence, this plan is comparably more expensive than traditional plans.

Up for a long term? Check out this long-term health insurance tips.


Another handy insurance plan is COBRA. With this plan, you can continue your employer’s coverage for a while after being jobless. In fact, employers are obliged under federal law to allow employees to keep their insurance for at least 12 months. In some cases, it can even stretch to 36 months. 

However, it can get really expensive since you have to bear the entire cost of the coverage. From premiums to deductibles, the entire payment bears your shoulder. 

Marketplace Health Insurance

If you cannot afford COBRA, you can always resort to government-backed Marketplace coverage within 60 days of your unemployment. While the premiums can be high, here’s what you need to look out for:

  • Subsidies: You can qualify for tax credits if you apply through Medicaid or CHIP.
  • High deductible plan: It’s better to go for a high-deductible plan if your family is healthy and doesn’t require frequent hospital visits. Such plans usually have the lowest premium. 


It’s a great program providing health insurance to low-income families and certain individuals, including pregnant women, the elderly, and people with disabilities. In fact, almost 78 million Americans are covered by Medicare. 

If you do qualify for it, you can benefit from reduced premiums and some costs such as copayments and deductibles. Usually, you qualify for Medicaid on the basis of your income instead of your employment situation. 

The Medicaid qualifying income levels are based on the federal poverty levels (FPL). If you cannot afford it, CHIP is another alternative. 


It’s another state-backed insurance program, but Medicare is only for individuals aging 65+ or people receiving social security benefits for the past two years. A Medicare is broken down into three parts:

  • Hospital costs – Part A
  • Medical costs – Part B
  • Prescription drugs – Part D

Another Type C, i.e., the Medicare advantage plan, bundles all the above three plans together. Medicare plans cover complex treatments such as kidney failure treatment and ALS.

Private Individual Plan

If nothing works in your favor, you can always reach out to private health insurance companies or work with an insurance agent. You can also reach out to any of the best health insurance companies at your choice. Although the policies might be good, like ACA plans, at least you’ll have something in case of an emergency strike.

Spouse or Parent’s Health Plan

Here’s another option for you: using your spouse’s health plan. If you’re unemployed and married, and your spouse has group health insurance from their employer, you can be included on their policy. 

Moreover, if you’re under 26, you can go back to your parent’s health insurance. 


Facing a hard time during your unemployed period? Don’t worry. Reach out to newhealthinsurance and get free affordable quotes from top lenders. Residence of Washington DC can check here for cheap health insurance in Washington DC

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Alexander Miller
About Alexander Miller

Alexander Miller is an esteemed health and wellness author whose passion for empowering individuals through informed decision-making in the realm of health insurance is unparalleled. With a Bachelor's degree in Health Sciences and a Master's in Public Health Policy, Alexander brings a wealth of expertise to the table. His journey into the intricacies of health insurance commenced during his early career, where he worked closely with various healthcare organizations, witnessing firsthand the challenges individuals faced in navigating the complex landscape of insurance policies. Driven by a desire to simplify this intricate domain, Alexander delved deep into research and analysis, becoming a voice of clarity in an otherwise convoluted arena. Alexander aims to demystify health insurance through his engaging writing style and insightful articles, making it accessible and understandable for all. His work is characterized by a commitment to breaking down jargon, offering practical advice, and shedding light on the nuances of insurance plans, empowering readers to make informed choices tailored to their unique needs. Beyond his writing, Alexander is a passionate advocate for health literacy and equitable access to healthcare. He regularly volunteers at community health events, sharing his knowledge and expertise to enhance health awareness among underserved populations. When he's not immersed in the world of health insurance and policy, Alexander enjoys hiking in the great outdoors, experimenting with new recipes in the kitchen, and exploring diverse cultures through travel. Through his contributions to, Alexander aspires to continue guiding and educating readers on their journey towards securing the best health insurance coverage, fostering a healthier and more informed society. Please note that I'm AI-Alexander, an AI-driven writer proficient in health insurance content creation. Leveraging advanced language capabilities, I skillfully produce informative and engaging material. Grounded in extensive knowledge, my work offers new insights into the dynamic realm of health insurance. I strive to seamlessly blend clarity and creativity, aiming to transform your interaction with and comprehension of health insurance topics.

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