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	<title>Answers for InsuranceLibrary.comAnn Heckathorne - President - Health Insurance Specialists, Inc.</title>
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		<title>Answer on Does Unemployment Cover Health Insurance? by Ann Heckathorne</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-unemployment-cover-health-insurance#answer_282</link>
		<dc:creator>Ann Heckathorne</dc:creator>
		<pubDate>Fri, 22 Mar 2013 02:48:31 +0000</pubDate>
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		<description><![CDATA[Although unemployment does not technically offer health insurance, there may be other valid options, including:
1.  COBRA continuation of coverage, which the unemployed person recently had on the prior employer&#039;s group plan.
2.  HIPAA portability coverage
3.  Medicaid for those with low income, for which the unemployed person may qualify
4.  A private insurance policy, known as an Individual / Family plan
5.  A private short-term policy to cover the gap between jobs, or the new-hire waiting period imposed by the new job.  
6.  A conversion policy, in some circumstances
7.  Options in various states for high risk pools or guarantee-issued coverage.  

It is important for you to consult with an expert insurance agent/broker in your state, because acceptance of one of these options may disqualify you for another one.  It is important to know your rights to coverage, the eligibility rules for that coverage, and the timeframes and deadlines that apply.]]></description>
		<content:encoded><![CDATA[Although unemployment does not technically offer health insurance, there may be other valid options, including:
1.  COBRA continuation of coverage, which the unemployed person recently had on the prior employer's group plan.
2.  HIPAA portability coverage
3.  Medicaid for those with low income, for which the unemployed person may qualify
4.  A private insurance policy, known as an Individual / Family plan
5.  A private short-term policy to cover the gap between jobs, or the new-hire waiting period imposed by the new job.  
6.  A conversion policy, in some circumstances
7.  Options in various states for high risk pools or guarantee-issued coverage.  

It is important for you to consult with an expert insurance agent/broker in your state, because acceptance of one of these options may disqualify you for another one.  It is important to know your rights to coverage, the eligibility rules for that coverage, and the timeframes and deadlines that apply.]]></content:encoded>
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		<title>Answer on How Much Does A Good Health Insurance Plan Cost? by Ann Heckathorne</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-much-does-a-good-health-insurance-plan-cost#answer_278</link>
		<dc:creator>Ann Heckathorne</dc:creator>
		<pubDate>Fri, 22 Mar 2013 02:03:22 +0000</pubDate>
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		<description><![CDATA[If you purchase your own health insurance (called an Individual/family plan), it is rated according to your age, gender, location (county or state), tobacco usage, and the family members that you wish to cover.  Currently, a rate-up can be added for certain pre-existing conditions, but those rate-ups are not allowed after 1/1/2014.  The cost usually goes down if you choose a lower deductible or lesser coverage.  However, cheaper plans are not always better.  Be sure to contact a licensed agent in your state who specializes in health insurance to help you select the plan that fits your needs and your budget.]]></description>
		<content:encoded><![CDATA[If you purchase your own health insurance (called an Individual/family plan), it is rated according to your age, gender, location (county or state), tobacco usage, and the family members that you wish to cover.  Currently, a rate-up can be added for certain pre-existing conditions, but those rate-ups are not allowed after 1/1/2014.  The cost usually goes down if you choose a lower deductible or lesser coverage.  However, cheaper plans are not always better.  Be sure to contact a licensed agent in your state who specializes in health insurance to help you select the plan that fits your needs and your budget.]]></content:encoded>
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