Find 5 Ways to Get Health Insurance (When You Do Not Have a Job)

In the United States, health insurance is often thought of as a job benefit. If you do not have a job, you may be wondering how you can get (and also afford!) a health insurance plan.

Fortunately, there are several affordable ways to get insured without a job. Click through the slides below to learn about your options and find one that works for you today!

Looking for Low Monthly Premiums? Consider a High Deductible Health Plan

If your budget is tight, you may be concerned about paying a high monthly health insurance premium.

If this sounds like you, a high deductible low premium health plan may be the perfect solution. A high deductible health plan (HDHP) has:

  • A high deductible. This is the amount of money you need to pay for covered health services before the insurance company covers you. So, if your deductible is $2,245, you would have to spend $2,245 of your own money on health care costs before your insurance company starts to pay. For individual high deductible health insurance, deductibles range from $1,400 to $6,900. For family high deductible health insurance, the range is $2,800 to $13,800.
  • A low premium. This is the amount you have to pay each month to keep your health insurance. High deductible health plan premiums are generally more affordable than premiums for other types of plans.

People who require a lot of health care might actually save money by having a lower deductible and higher premiums. But high deductible health insurance is ideal for healthy people who do not need a lot of health care services. With HDHP coverage, you can keep your monthly costs low while still having insurance in case of a costly medical emergency.

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