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My Quest to Find Affordable Health Insurance is Finished

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I recently got approved for a health insurance policy that I can afford. It has been a long, tiring, frustrating, quest to find coverage after I lost my job that came with employer sponsored health insurance. Here is a quick summary of my journey from uninsured to insured. This all started in 2009. I was working as a paraeducator in a special needs classroom. After working for the school for the required amount of time, I became eligible for their employer sponsored health insurance. I think it was Anthem Blue Cross. It covered both me and my husband. My husband … Continue reading →

Over 50 Million Americans Lack Health Insurance

A new study makes it very clear exactly how many Americans are lacking health insurance. A large number of people, who lost their jobs during the recession, have been unable to find affordable health insurance since then. At the same time, a cutback to the COBRA program caused that to be financially out of reach for many people. A report was compiled from the information people responded with in the 2010 Commonwealth Fund Biennial Health Insurance Survey. It puts statistical data to what most of us could have guessed based on common sense. The results are rather disturbing, even though … Continue reading →

Health Insurance Issues After Your Employer Goes Out Of Business

The majority of Americans who have health insurance are getting it through their employer. Often, the possibility of being able to get health insurance is the biggest reason why a person seeks out a job with a certain company. When that company suddenly goes out of business, this will have a major impact on the lives of the employees. If this happens to you, there are some things you need to know about how your employer sponsored health insurance will be affected. If an employer offers any kind of health insurance to it’s employees, it will be a form of … Continue reading →

Researching Additional Insurance

I am among the growing number of Americans who has absolutely no form of health insurance. Last year at around this time, I lost my job as a teacher’s aide. My job offered great health insurance! My husband and I were covered for medical, dental, and vision care. Like many other teachers in California, there was no indication that I was about to lose my job. Suddenly, in the course a single day, I went from being someone with a full time job with benefits, to someone who had no job, and no health insurance. Naturally, this was extremely stressful. … Continue reading →

Health insurance for the newly unemployed

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Many of us look for work at companies that offer benefits. This is how most of us are able to afford health insurance for our families. One of the most frightening things that happens when a person loses his or her job is that suddenly, your health insurance is gone as well, at a time when you can least afford to pay for medical care out of pocket. Just one illness can eat through your emergency funds in the blink of an eye, and send you spiraling into debt. Fortunately, there is hope. COBRA is the acronym for Consolidated Omnibus … Continue reading →

Before You Quit Your Job…

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Most Americans who have health insurance are able to afford it because it comes as a benefit from their source of employment. Without help from an employer, a lot of people would find themselves entirely unable to purchase health insurance. As a result, there are plenty of employees who truly wish to quit their jobs, for a variety of reasons, but are hesitating specifically because they fear having to go without health insurance. If you take the time to plan ahead though, you might be able to leave your job and still have health insurance. In general, it is a … Continue reading →