• Jenn Williams

5 Ways to Get Insurance When You’re Between Jobs

Updated: Mar 7

You’ve just lost your job and you’re not sure what insurance coverage is available to you. You may be surprised to find out that there are a number of insurance plans available, and some COBRA insurance plans offer more coverage than others. In this blog post, we’ll discuss the five most popular ways to get insurance when you’re between jobs so that you can make an informed decision about how to best cover yourself for the future.

Health Insurance Options when you're out of work.
 

Out-of-Work Insurance Options

  1. Primary Care Membership Plans

  2. High-Deductible Health Plans

  3. COBRA Coverage

  4. Health Insurance Marketplace

  5. Short-Term Insurance Coverage


 

Primary Care Membership Plans


With the ever-increasing cost of health care, many people have turned to primary care physicians and medical practices that offer a flat monthly fee for unlimited virtual doctor visits with no copay required. This option usually includes lab work when necessary at an affordable price without having to worry about getting charged more because you need it done quickly or skipped altogether if your insurance doesn’t cover everything they say it does online – this type of plan is great as long as there aren’t any hidden fees! This type of health insurance plan is also known as direct primary care or DPC.

High-Deductible Health Plans

If you consider yourself a healthy individual and don’t expect to be visiting the doctor’s office at a high frequency, then a high-deductible health plan might be right for you. A high-deductible health plan is a good way to have low health insurance costs. You can save money on taxes if you put it together with a Health Savings Account.

Consolidated Omnibus Budget Reconciliation Act (COBRA)


COBRA is a law that enables employees who lose their job or have reduced hours to continue receiving health insurance through an employer’s plan. The continuation of your benefits may depend on what you were doing when laid off, how long it has been since the layoff, and if there are children involved in this arrangement as well.

Health Insurance Marketplace

Marketplace plans are great for those who want to be in control of their insurance. They cover treatment for pre-existing medical issues, which means that these policies will never reject you because they can’t charge more or provide less coverage than what’s already provided by the government with no out-of-pocket cost!


Short-Term Insurance Coverage

Individual insurance plans are insurance options for people who have lost their jobs. These types of insurance can provide coverage regardless of employment status, though there may be some exclusions made to the work history that is required. While permanent insurance plans will not require a credit check or health screening, individual insurance plans may require these steps.


Shopping for insurance providers is a good idea if you have just lost your job. You can often find insurance that will cover your needs for less money than COBRA insurance, and it’s possible to get this type of insurance even with pre-existing conditions. Because individual insurance policies do not usually come under the COBRA insurance umbrella, you may be able to get insurance through another source even if your COBRA insurance plan ends.

Health Insurance Help From the Trusted Referral Network

The Trusted Referral Network is the number one insurance referral network in the United States. All Americans can receive all of their insurance quotes and plans for free! The best part about this service is that it’s completely risk-free. Between different insurance coverage and COBRA insurance plans, there are plenty of options to help you get insurance when you’re between jobs. But which one is right for you? Hopefully, this blog post has been informative for you to find the best ways to stay insured while finding a new job for your specific situation.


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