Medical bills and their connection to personal bankruptcies have been cited by many authorities, so the thought of not having health insurance can keep you up at night. There are options i.e. affordable health insurance for unemployed but many people don’t know about them or fail to seek help that may be readily available.

Being unemployed is devastating and trying to keep body and soul together, food on the table and a roof over one’s head can take the heart of even the most optimistic of people. In the event that you find yourself in this position, there are several places to which you can turn. The state government offers several programs that can assist both single people and those who have families. A Marketplace program under the Affordable Care Act (ACA) may be an option. ACA insurance plans come in levels from bronze to platinum and depending on income level come with assistance programs that help the individual or family pay premiums.

Medicaid a joint federal and state program based on income is available in all states through eligibility, coverage, and availability may vary. These programs provide hospitalization, emergency care, physician’s visits, and some prescription benefits to unemployed people or people whose household income falls below the level as specified in that state.

CHIP programs cover children up to age 18 and in some states pregnant women and provide benefits that include prescription coverage, physician visits, wellness care like preventative shots and vaccinations as well as dental and vision care. They also cover emergency and hospital stays if they should be required. Qualifications for these programs are also income-based. This program like Medicaid is jointly funded by federal and state governments.

Affordable health insurance for young adults is relatively inexpensive through the ACA marketplace especially at the bronze level where a healthy young person who seldom needs health care can protect themselves from accident or injury at a modest cost per month though this level does have a higher deductible and out of pocket expenses. A person who seldom uses health care may find this coverage to be more than adequate.

Health insurance for young adults can also take the form of catastrophic health insurance. These types of policies have a very high deductible and out-of-pocket expense but are as a whole much less expensive and will protect the individual from a major illness or accident. They are only generally available to those under 30 years of age and meet the ACA requirement and are also considered QHP (Qualified Health Plans.)

One other option for unemployed individuals is short-term health plans available in a minimum of month-long increments up to a year in most states and renewable for up to three in some. These plans are not ACA compliant and so do not have to accept all applicants. They can and do disqualify individuals for prior conditions, have limited physician visits, no prescription coverage, and other benefits but do provide access to emergency care and inpatient hospital care.

At ConsumerCoverage.com you can get access to information and policies available along with comparisons of coverage and cost for free.Healthcare.gov a government website can also provide a wealth of information about health care options for those who are unemployed. Good advice and assistance are available so you don't become a victim of mounting medical bills. Explore the options available to you. There may be more than you think.

ConsumerCoverage.com has information, comparative quotes, and pricing from some of the country’s best insurance companies for home, health, life, and vehicle insurance. Your insurance source on the internet. Period!