Seguro médico para desempleados

Find Marketplace Health Insurance Coverage

For most states, the Open Enrollment Period to sign up for a Marketplace insurance plan is November 1 through January 15 (be sure to confirm your state’s specific enrollment timeline). If you experience a job loss, you may qualify for a Special Enrollment Period. Depending on the type of Special Enrollment Period you qualify for, you generally have 60 days before or 60 days following your loss of coverage to enroll in a plan.

Thanks to the Affordable Care Act, you can compare and purchase Marketplace health insurance plans. La condición de empleo no es un factor que se tiene en cuenta para la elegibilidad. Your cost is based on the state where you live, as well as your income. You may also qualify for a health insurance subsidy, which is financial help that lowers what you pay for your monthly premium.

Receive Extra Financial Help Through The American Rescue Plan

The American Rescue Plan provides additional financial assistance to help you pay the monthly premiums for Marketplace health insurance plans. The law offers individuals an opportunity to enroll in coverage that may be more affordable. In some instances, you pay as low as $0 in premiums for Anthem Marketplace plans.¹ An estimated 9 out of 10 Anthem members with individual coverage will qualify to receive financial help to lower the cost of their health plan.²

Benefits Of Marketplace Insurance Plans

• Cover 10 essential health benefits on all Marketplace plans, including doctors’ services, hospital care, prescription drug coverage, and mental health services.

• Offer flexible plans to fit specific needs and budget
  
  
• Cover preexisting conditions
   

Apply For Medical Coverage Through Medicaid

Upon completing your Marketplace application, you may discover that you qualify for Medicaid. Con base en los ingresos principalmente, Medicaid ofrece cobertura médica gratis o a bajo costo para personas, familias y niños, mujeres embarazadas, personas mayores y personas con discapacidades. Some states have expanded their Medicaid programs to cover any individual below certain income levels..

Benefits Of Medicaid

• Covers doctor visits, hospital stays, and prescriptions
  
  
• Is low cost and sometimes free health coverage
  
  
• Includes Children’s Health Insurance Program (CHIP) options for children
  
   

Extend Health Insurance Coverage With COBRA

Otra opción podría ser continuar tu cobertura del seguro médico con el plan de salud de tu empleador anterior. La Ley Ómnibus Consolidada de Conciliación Presupuestaria (COBRA) ofrece una continuación de la cobertura médica grupal para los trabajadores afectados por la pérdida de empleo por hasta 36 meses. COBRA eligibility is based on:

Tu plan médico grupal. Por lo general, la ley se aplica a planes de salud patrocinados por empleadores con 20 o más empleados, o por gobiernos estatales y locales. Some states also afford similar continuation coverage to individuals covered by group health plans sponsored by employers with fewer than 20 employees.

Tu evento que califica. Qualifying events include reduction in your work hours or a job loss for any reason other than gross misconduct, which has caused you to lose your coverage. A qualifying event also determines who qualifies and how long your group health plan must offer continuation coverage.

Advantages Of COBRA

• Mantiene la cobertura del seguro médico consistente de tu empleador anterior
  
  
• Covers up to 36 months
  
  
• Provides coverage for reduced hours, as well as job loss
  
  
  

Con tantas opciones, podrías necesitar ayuda para elegir un plan. Anthem is here to assist you in choosing a health insurance plan that fits your current situation and budget, so you can be confident that you and your family are covered and protected.

¹ Based on federal and/or state exchange requirements and subject to change. Anthem Blue Cross es una entidad emisora de planes médicos calificados que, en determinadas áreas geográficas, ofrece algunos planes médicos con una opción de prima de $0 (después de aplicar el subsidio) a través de Covered California. Los planes de salud con una opción de prima de $0 no están disponibles en todas las áreas y la elegibilidad para estos planes se basa en las pautas federales de ingresos anuales. Llámanos para obtener información porque no todos calificarán. Por ejemplo, las personas solteras que ganan hasta $19,140 y las parejas que ganan hasta $25,860 pueden ser elegibles. La elegibilidad por ingresos familiares varía según el número de miembros de la familia.

²Anthem Business Intelligence Analysis of 2021 WEM Application data and FPL Distribution; mayo de 2021.