How to Get Health Insurance If You’re Unemployed in 2025

Losing your job can be stressful, and one of the biggest worries is often losing your health insurance. The good news is, there are options available to help you stay covered in 2025, even if you’re currently unemployed.

Why Health Insurance Is Crucial When Unemployed

Without health insurance, medical bills can quickly add up, leading to financial hardship. Having coverage protects you from unexpected emergencies and gives you access to preventive care.

Options for Health Insurance if You’re Unemployed

1. COBRA Coverage

• Allows you to keep your previous employer’s insurance for up to 18 months.
• You pay the full premium yourself, which can be costly.
• Good if you expect to find a new job soon.

2. Medicaid

• A government program for low-income individuals.
• Eligibility depends on your state and income.
• Usually free or very low cost.

3. Health Insurance Marketplace Plans

• Available through healthcare.gov or state exchanges.
• Subsidies may be available based on your income.
• Offers a variety of plans to fit your needs.

4. Short-Term Health Insurance

• Temporary coverage that can last a few months.
• Not comprehensive but better than no insurance.
• Useful as a bridge until you find a longer-term plan.

How to Apply for Coverage

• Visit healthcare.gov or your state’s marketplace.
• Enter your income and household details.
• Compare plans side by side.
• Check for subsidies or financial assistance.
• Apply online or by phone.

Tips to Save Money

• Look for plans with lower premiums but reasonable deductibles.
• Consider catastrophic plans if you’re young and healthy.
• Use free preventive services offered by many plans.

Frequently Asked Questions

Can I get insurance immediately after losing my job?
Yes, losing coverage qualifies you for a Special Enrollment Period.

What if I miss the enrollment period?
You may have to wait until the next Open Enrollment unless you qualify for another special circumstance.

Are marketplace plans expensive?
Subsidies often reduce costs, making them affordable.

Maintaining health coverage during unemployment is essential for peace of mind and financial security. By exploring these options, you can find a plan that fits your budget and keeps you protected.