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One of the biggest worries that unemployed people have to face is the problem of extending health benefits. Health insurance for the unemployed could be an extension of group coverage through COBRA, an individual health insurance plan, or short term medical.

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COBRA makes many employers, especially larger ones, extend group health plans to terminated employees for several months. However, the employers do not have to pay for the plan, and it can be hard to afford without an income. In some circumstances, especially if a covered person is pregnant or ill, it is worth it to pay for the extension if possible.

A short term medical plan may work out very well, especially if the unemployed person is sure they will go back to another job with a group medical plan, and if the covered people are fairly healthy.

An individual major medical insurance plan may be cheaper than the COBRA benefit payment. Individual health insurance policies are underwritted for each applicant, and since the company may cherry pick who they will insure, they can offer lower rates.

You can compare the best health plans that are available in your area with an online quote form. Filling it out only takes a few minutes, and will allow you to shop for the best health plan for your own family.