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Unemployed Medical Insurance

Unemployed medical insurance is provided through government programs and commercial health insurance companies in the USA. People without jobs should be very careful while looking for an affordable health insurance plan, as medical insurance for the unemployed requires higher premiums, than employer-sponsored insurance.

There are several available options for the unemployed. One of these options is a federal law called COBRA (the Consolidated Omnibus Budget Reconciliation Act). It permits many employees and their dependents to continue on an employer's group health plan for up to 18 months after being unemployed by paying the full cost of this coverage plus an administrative fee.

This type of insurance is also applicable to people who do not have work because of poor health condition. There are special government programs designed for them. "High-risk pools" is a government program that offers health insurance coverage to those residents whom private insurers might turn down because of their health status. They may also apply for Medicaid. It is a program that provides medical care for certain individuals and families with low incomes and resources. Criteria for Medicaid eligibility may include your age, pregnancy, disability, blindness, your income and resources.