Health insurance coverage is no longer regarded as a luxury but a basic need. In addition to safeguarding you from spiraling medical costs, medical insurance also ensures that preventable diseases are identified on time. Unfortunately, there are thousands of households, not only in the United States, but the rest of the world that are not insured. In this article you will find tips on how to find an affordable health insurance coverage if your employer is not offering one.

1. Health Insurance For Everyone
Health insurance coverage is no longer regarded as a luxury but a basic need. In addition to
safeguarding you from spiraling medical costs, medical insurance also ensures that preventable
diseases are identified on time. Unfortunately, there are thousands of households, not only in
the United States, but the rest of the world that are not insured. In this article you will find tips on
how to find an affordable health insurance coverage if your employer is not offering one.
While it is true that paying for insurance premium from your pocket can be costly, the options
provided herein will guarantee that you do not pay more than you need to for medical insurance.
Obtain a Cover under Your Parents Insurance Plan
So long as you are below the age of 26, you can request your parents to include in their health
insurance policy. It does not matter whether you are employed, residing in a different house or
are married. According to information published on Healthcare.gov, individuals aged 26 and
below are eligible for parents health plans in spite of their financial status. Consequently, this
would be the cheapest option especially if you are in college or are looking for employment.
Federal Options
Unknown to a number of people is that the federal government also offers affordable medical
insurance to individuals who are not insured by their employers or are out of work.
PCIP (Pre-Existing Condition Insurance Plan)
According to the Affordable Care Statute, individuals who are finding it difficult to get insurance
coverage as a result of a pre-existing condition are eligible for medical insurance coverage
thanks to the PCIP. The plan caters for major medical procedures as well as prescription
medications. Then again, it is important to point out that, deductibles plus premiums may differ
from one state to another. For example, New York residents pay between $350 and $450 per
month in PCIP premiums.
Medicaid
If you are unable to afford Blue Cross Health insurance premiums, you can also opt for the
Medicaid program. This type of insurance plan is designed for persons who are unable to pay
for insurance premiums due to low income. On the other hand, you can qualify for Medicaid
if you are disabled or are pregnant. For more information on whether or not you qualify for
Medicaid, it is highly recommended that you visit your local state department of health.
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