Health Insurance Options to Consider in Washington if COBRA is Too Expensive or Not an Option
COBRA, which continues coverage from your former employer, often is not a good option if you don’t have a job to help pay for it. It is usually expensive, you have only a limited time to sign up for it, and it solves the problem only for a limited time. It assumes that you can afford it and that you will get a new job before the time runs out — certainly not the easiest thing to do. You can find out about your COBRA options from your former employer.
Individual health insurance plans may also be too expensive for your greatly reduced budget. You do have to apply. You must get approval based on your health statement. You may have to wait months for coverage of pre-existing conditions.
Some may advise you to get a high-deductible individual plan to cover any major health expenses. This is a valid strategy, particularly if the plan offers a few up-front doctor visits before you meet the deductible.
Individual health insurance plans can be found
Short term medical insurance is worth considering as a lower cost option. It is, as its name implies, just a temporary solution. It is usually excludes coverage for anything you have been treated for in the last five years.
Short Term Medical Insurance plans can be found