Layoff or Low Income Major Medical Insurance For Your Health

With the tough economic situation today, many millions of people in the US lack proper health inurance. Learn how you can find major medical care plans now.

It is not that there is a lack of choices, but that many of the best choices come with a very high price tag that many families just cannot afford in today's economy.

Many people lost their health plan when they lost their jobs. Some can rely upon the COBRA extension. But this only applies to some workers. And besides, the plan extensions are usually pretty expensive. So this is not an option for every person that lost their job.

Alternatives to COBRA extensions may be private major medical plans or some low income aternatives. For people with pre-existing health conditions, there should be a state high risk plan. A federal high risk plan is also coming with health reform, but it may not be fully implemented yet in your area.

Private major medical insurance is one choice for families that can qualify for it and afford it. It is fairly easy to compare choices in your area if you use an online based quote system. You can compare the policies and premiums for some of the top insurers in your area.

Remember that insurance is mostly regulated at the state level. So your options will vary by your state. Sometimes they even vary by your county or zip code. You cannot always take the best plan that your cousin in another state or city uses. You must do comparisons for your own city. That is why the online quote systems are handy for you. This should probably be your first step.

If you could afford a private plan, but cannot get accepted because of a health condition, it is time to look at high risk options. You should search for the high risk health plan in your state. They all should have websites which will give you the options you have. It may be a state or federal plan.

High risk health plans do have premiums, and may not accept everybody either, but do provide an option for many people.

There are some other alternatives for people who do not have the money to pay for a health insurance plan of their own.

Federal programs, like Medicaid, cover very low income people with few assets. CHIPS is the children's health inurance program for families with low to medium incomes.

There may also be country health systems where you live that have hospitals and clinics with sliding fee scales. This can be a fallback measure for families with financial problems.

You can also find private foundations and charities for people with specific diseases or conditions. The PPARX.org website is a good place to look for your options for problems like this.

It can be tough to find a good health plan when you are out of work or working for a lower income. However, there are options from private and public resources. You should be proactive in your search. That way you will know what to do if you have a health issue in your family. That way you can provide security for your family's health!