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Health Insurance Quotes for the Unemployed

Finding health insurance for the unemployed is an important concern for those people who find themselves out of work and without essential coverage. With the current recession, more and more people are finding themselves in that situation and the demand for reasonably priced health insurance for the unemployed has risen. If you are looking for this type of insurance a great place to start is with some education so you know exactly what you are looking for, where to buy it, how to get a good price on it and how to be sure you have good coverage.

Individual Health Insurance: A Great Option for the Unemployed

Individual health insurance is a great place for a healthy person to turn for health coverage if he or she is unemployed and in need of health insurance coverage.  You can purchase either individual or family health insurance this way and it offers lots of advantages that a group policy does not. You can customize a plan to fit your needs exactly, including your budget.

Healthy individuals will save money by opting for individual health insurance because your premiums will be based on your health and you will not be subsidizing the health insurance of other less healthy individuals. However, if you have a pre-existing condition or are in poor health in general, you may not be eligible for individual health insurance and may need to investigate additional avenues in order to find group health insurance.

How to Reduce the Cost of Health Insurance

During periods of unemployment money is always tight. Even if you have a healthy savings account, if you are out of work you are unsure of how long that amount will need to keep you going. Therefore, it is important to keep expenses low. Health insurance is never something that you should skimp on. However, by making certain choices you may be able to help reduce the cost of your own coverage.

Start by evaluating how often you typically use health care services. If you have a young family, there may be regular doctor visits for normal childhood illnesses and preventative care. In this case, it might be more cost effective to have a policy with a low deductible and little or no co-payments. Premiums will be higher but you will be able to budget more accurately and will be confident that health care expenses will not surpass a certain amount.

If you are young, healthy and single and rarely see the doctor, you may want to consider taking out a health insurance policy that will cover you in the case of catastrophic illness or injury. Such a policy will inevitably have a higher deductible and co-payments, but your monthly premiums will be low in exchange for the peace of mind that good health insurance coverage provides. If you do need to use such coverage you will have an initial out of pocket expense, but your plan will cover the rest.

Choosing Your Health Insurance Wisely

Another way to make sure you get the best price on your health insurance for the unemployed is to shop around. Not only will this help you get the price you are looking for, but you will also have a variety of different companies to choose from so you can find the best one to suit your needs. Use an online quote tool in order to get a variety of health insurance quotes from companies serving your area.

Before making a decision regarding the health insurance you will invest in, be sure to check out any company you are thinking of doing business with. A great place to start is by verifying their rating with one of the independent insurance ratings companies like A.M. Best, Standard and Poor’s or Moody’s. These companies assign ratings to insurers based on economic stability and outlook for the future. It will help you make sure that you are choosing a company that will be in business and able to pay out should you need them.

You can also check your state’s department of insurance for information about companies offering services in your area. You will be able to find out if there are complaints against the company and if they have been resolved. It is wise to avoid companies with a long list of dissatisfied clients.

Finding the Best Health Insurance Quotes When Unemployed

When you are ready to start investigating your options concerning health insurance for the unemployed, check out our free quote comparison tool.  In no time you will have a variety of health insurance quotes from leading insurers serving your zip code.

You can even contact one of our independent agents who work with all the different companies to help you select the plan that is best suited for you while you are unemployed and beyond.

Get started with your health insurance quote today and make sure you are not left in a bind. Get started finding the best health insurance today!