Form your own group of 1 health insurance plan (check to see if your state allows groups of one)
Pre-existing Condition Insurance Plan run by the U.S. Department of Health and Human Services presently available in AL, AZ, DC, DE, FL, GA, ID, IN, KY, LA, MA, MN, MS, ND, NE, NV, SC, TN, TX, VT, and WY
Check your local chamber of commerce
Alumni, professional and fraternal groups
Join an association that offers no questions asked health coverage
Request HIPAA if you have had group health insurance before but did not qualify for COBRA
Request a conversion policy if you did not qualify for COBRA
Often overlooked, you can get healthcare without health insurance, as they are two different terms. The average health insurance premium is . The average medical cost per capita is anywhere from around $5,500 in Nevada, to over $9,000 in Massachusetts. Incidentally Massachusetts has a socialized system of Insurance which is projected to be insolvent between 2016-2018.
We have compiled federal, state high risk insurance pools, and state department of aging, that you can contact if you have been turned down for health insurance elsewhere or are uninsurable.
Contact these federal organizations:
Medicare - A health insurance program for people 65 years of age and older, some disabled people under 65, and people with End-Stage Renal Disease (permanent kidney failure treated with dialysis or a transplant).
Medicaid A is a program for state residents who have high medical bills, receive Supplemental Security Income (SSI) and meet certain income, resource, age, or disability requirements.
Healthy Families Program - The Healthy Families Program is a state and federal funded health
coverage program for children with family incomes above the level eligible
for no cost Medi-Cal and below 250% of the federal income guidelines
($36,576 for a family of three).
Managed Risk Insurance Board - Created in 1990 to advise the California Governor and the Legislature on strategies for reducing the number of uninsured persons
AIM Program Access for Infants and Mothers covers uninsured pregnant women during pregnancy and
for 60 days of health care after pregnancy. To qualify, families can earn
between 200 percent and 300 percent of the federal poverty level, or up to
$41,640 for a family of three.
Craig Casey is an Writer, Coach, Blogger, Husband, and Former Health Insurance Agent helping people on the web since 1999 with their health insurance problems.
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