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The Ins and Outs of Insurance When You’re In Between Jobs

Losing your job isn’t just a financial blow, it can also affect your health insurance coverage. It’s easy to feel overwhelmed and lost when it comes to understanding insurance options when you’re in between jobs. But don’t worry, we’ve got you covered! In this blog post, we’ll be discussing everything you need to know about insurance when you’re in between jobs, including affordable options such as short term medical insurance.

Unemployment Benefits

If you’ve recently lost your job, you might still be eligible for unemployment benefits. Depending on where you live, these benefits can last anywhere from a few weeks to a year.

But did you know that you might also be eligible for health insurance through your unemployment benefits? This is known as COBRA, and it allows you to continue your employer-sponsored health insurance for a certain period of time.

However, keep in mind that you’ll be responsible for paying the entire premium, which can be quite expensive.

Marketplace Health Insurance

If you don’t qualify for COBRA or if the premiums are too high, you can look into purchasing health insurance through the marketplace. The marketplace is a government-run website where you can compare different plans and enroll in a plan that fits your needs and budget.

Depending on your income, you might also qualify for subsidies that can lower the cost of your monthly premium.

Short Term Medical Insurance

Short term medical insurance is designed to provide temporary coverage for people in between jobs or waiting for a new health insurance policy to kick in. These plans typically last for a few months and provide basic coverage for medical expenses.

While they might not cover everything, they can provide some peace of mind while you’re in transition. Short term medical insurance is also much more affordable than options such as COBRA. It’s also very flexible, customizable, and you can sign up for at any time (no enrolment periods).


Depending on your income and where you live, you might qualify for Medicaid. This is a government-run insurance program that provides coverage for low-income individuals and families. While the coverage isn’t as comprehensive as some other insurance options, it can still provide essential medical care and prescription drugs.

Finding The Right Coverage for Your Needs

Navigating insurance when you’re in between jobs can be overwhelming, but it’s important to understand your options. Whether you opt for COBRA, marketplace health insurance, short-term medical insurance, or any other option, the key is to make an informed decision that fits your needs and budget.

By doing your research and asking the right questions, you can find an insurance plan that provides the coverage you need without breaking the bank.

If you’re still unsure about which option is best for you, then consider calling up your local medical insurance company. They’ll be able to provide answers to your questions as well as suggest what might be the best route for your specific needs. 

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