Health coverage options for the unemployed

Unemployed persons may be able to get an affordable health insurance plan through the insurance marketplace, with savings based on income and household size. Connected to marketplace, you can now find out if your unemployed clients qualify for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP).

How do unemployed persons qualify: Household size and income, not employment status, determine what health coverage the insured party is eligible for and how much help they can get paying for coverage.

How to Qualify:

If the applicant has left a job for any reason and lost job-based health coverage, the person qualifies for a Special Enrollment Period. They can enroll in an Affordable Care Act insurance plan any time of year, usually having 60 days from the date of coverage loss to enroll. There is no limited enrollment period for Medicaid or CHIP. If the client qualifies, you can enroll  them in these programs any time of year. You’ll find out if the client qualifies when you submit an application in the Inshura app.

Certain life events, like losing health coverage, moving, getting married, having a baby, or adopting a child, may qualify a person enroll in or change ACA Health Plans outside the yearly Open Enrollment Period, which starts November 1.

Individuals, families and children with certain incomes may qualify for Medicaid, the Children’s Health Insurance Program (CHIP), or health insurance through the Inshura insurance marketplace. If eligible based on estimated household income, these persons can apply any time.

Medicaid, CHIP, and insurance plans through Inshura

When you fill out an application, you’ll find out if your client qualifies for any of these types of coverage:

  • A Marketplace insurance plan. Your client may qualify for premium tax credits and savings on deductibles, copayments, and other out-of-pocket costs based on their household size and income. Some people with low incomes may wind up paying very small premiums. 
  • Medicaid. Medicaid provides coverage to millions of Americans with limited incomes or disabilities. Many states have expanded Medicaid to cover all people below certain income levels. 
  • Children’s Health Insurance Program (CHIP). CHIP provides coverage for children, and in some states pregnant women, in families with incomes too high for Medicaid but too low to afford private insurance.

After you finish the application, you’ll get an eligibility determination that tells you what kind of coverage the client qualifies for.

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About Inshura

Inshura is a FREE online ACA insurance tool, perfect for agents and agencies! Agents can boost their ACA and other enrollments using this easy-to-use solution for quoting, enrolling, automating renewals, and managing clients!

And inshura is CMS EDE PHASE III certified, so it automatically exchanges data directly from the Marketplace.

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