Navigators Can Help Unemployed With ACA Health Insurance Options

Right now, jobless claims in the United States are as high as they have been since the Great Recession of 2008. It is estimated that in addition to losing a job, as many as 25 million people could also lose the health care insurance they receive through their employers due to layoffs. If you find yourself in that situation, you may be able to qualify for Healthcare Marketplace health insurance for you and your family under a Special Enrollment Period.

Ordinarily, enrollment in an ACA plan is limited to an Open Enrollment period that occurs in late fall. However, if you have a major life-changing event – like losing your job – you may be able to enroll in a new plan immediately. To do so, you will need to follow a few special guidelines, answer a few questions, and provide documentation that you are subject to losing your existing health insurance plan.

Most importantly, if you do lose your job and want to take advantage of the ACA health insurance option, you must do so within 60 days of the time you lose your job or the date you expect that your job and health care coverage will officially end. If you apply, you will be asked about your particular circumstances.

You will have to pay the premium for this insurance yourself, but depending on your income, there are subsidies that help offset the cost. There are also different levels of coverage with different price points, so you should be able to find a plan that can give you the health care protection you need within a reasonable.

This is not a time to gamble with your health care options. And, if you need help, the Area Agencies on Aging offer an entire team of consultants known as Navigators that can help you work through the process and your options. They don’t sell insurance – they just help explain your options and the rules.

If you would like to talk with a Navigator about your ACA health insurance options, click on the following link to find help near you:


If you would like to establish an account on your own or just need additional information, visit the national website at this link:



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