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How to Get Health Insurance Without a Job

How to Get Health Insurance Without a Job

Theodore Bessman | Gradspot

Many recent grads who freelance, work for start-ups, or spend their days playing backgammon and other games of leisure do not have health insurance. In fact, a quarter of all Americans in their 20s live without medical insurance of any kind. Hospitals don’t take bill collection lightly and even a broken arm can land you fifteen grand in the hole.

Think about it this way: Walking around without health insurance is a lot like signing up for a recreational Russian Roulette league. Even if nothing happens the first few weeks, sooner or later someone’s gonna get a bullet straight through the temple.

Though the health insurance industry is completely abusive and falling to pieces, that doesn’t mean that it’s impossible to find a reasonably good deal that can keep you healthy, wealthy, and maybe even wise. Remember that even if you’re relatively fit a catastrophe could happen and you need to be covered; if you have a lot of health issues or need frequent prescriptions, you may want to look for wider coverage.

Keep it in the Family

Many states allow children to remain on their parents’ plan until surprisingly old ages. The great state of New Jersey, for example, allows residents to ride their parental coattails until the age of 30!

Check out state specific information to see if you can stay afloat through your twenties. The Consolidated Omnibus Budget Reconciliation Act, better known as the semi-poisonous COBRA, gives grads no longer covered by their parents’ plans the option to extend coverage for 18 months.

There is one major caveat: extending the plan means paying the amount the parent’s employer pays in addition to some administrative costs. The average cost for single coverage is estimated to be about $350 a month. Seems a bit high, but this might be the best option for people who have recently had serious illnesses or recurring medical problems, both of which may hike up initiation fees in certain states.

Join the Union

Look into joining the Freelancers Union. Why? Firstly, being part of a union is pretty cool. Secondly, the Freelancers Union offers a specialized network for freelancing professionals. Lastly, and most importantly, the union provides health insurance at pretty low rates. The cheapest deal in the union costs about $130/month with a $10,000 deductible.

What does that mean? Basically, you pay discounted rates out-of-pocket for all medical expenses up to $10,000, and then afterward all expenses are covered. So everything is covered in worst case scenarios without the possibility of long term debt.

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    jennawarren85

    about 3 years ago

    4 comments

    The page is really the best on this topic. I primarily really enjoy does no no hair removal work the way it describes all the things and also helps make the whole idea simpler to realize

  • Photo_user_blank_big

    jennawarren85

    about 3 years ago

    4 comments

    The page is really the best on this topic. I primarily really enjoy does no no hair removal work the way it describes all the things and also helps make the whole idea simpler to realize

  • Photo_user_blank_big

    Kentuckyman

    about 3 years ago

    2 comments

    I didn't thought you can actually make an insurance without having a job.I used to work at different drug rehab centers and every where I've been the patients who had insurances had jobs.

  • Photo_user_blank_big

    ElizabethHuges

    over 3 years ago

    4 comments

    Not having health insurance can be very stressful when you are sick. I have had some terrible medical bills that were adding up. Then I decided to take care of myself a lot better. I started on a great diet, had a scheduled exercise regiment everyday and a friend told me about Anabolic Steroids. All that combined with getting the right amount of sleep and I was feeling like a million bucks.

  • Joek_max50

    JoeKeller

    over 3 years ago

    52 comments

    I have a friend that has drug problems and now he is in a drug rehab in Oklahoma. You seem to know a lot about the insurance business and I was wondering if you could answer one question: how can he manage to get health insurance?

  • Photo_user_blank_big

    manybigtoo

    over 3 years ago

    8 comments

    I don't think you can get a Tata AIG Travel Insurance without a job.I mean those who create insurances for people they need to verify everything and I don't think you can get away.

  • Photo_user_blank_big

    EvePerro

    over 3 years ago

    6 comments

    I’ve always wondered how can you get visitors health insurance without a job. My sister is unemployed and she wants to go to Canada. I know that she needs an insurance but I have no idea how is she going to get it if she doesn’t work. Is it the same procedure?

  • Sheila_max50

    SheilaDiamonds

    over 3 years ago

    8 comments

    I have some questions if you could help me please. Does this strategy also work for home insurance. I would really need some advice on this subject. Thank you and looking forward to hearing from you soon.

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