Health insurance premiums are rising at extraordinary rates, unfortunately so are unemployment rates. If you are one of the unlucky people these days I am sure you are wondering where you can find affordable health insurance for the unemployed. Yes, it is possible to find a short term solution for health coverage even if you have lost your job.

Research indicates that indicates that the unemployed are one of the groups at the highest risk of losing their health insurance coverage. If you have been recently laid off than you are part of this group. Most experts always urge people facing a job loss to think about how to continue their health insurance coverage. Insurance is definitely expensive but if you compare it to the cost of hospital or doctor costs should you be injured while uninsured it is a wise choice to stay covered at all times.

Non profit organizations currently provide access to 175 online public healthcare programs. There are applications to fill out on these sites and acceptance is determined very quickly. Americans seeking government-sponsored health coverage are urged to explore this avenue first. Many of these organizations specialize in finding affordable health insurance for unemployed Americans. Many programs are designed to help families through a short term financial set back such as becoming unemployed. People who know they could be facing a potential lay off are urged to be proactive and review their health insurance options should they suddenly become unemployed.

Without the government assisted options the country would be facing a much worse scenario in regard to health insurance. According to research the average monthly cost of family health insurance is $1,069 and the average monthly unemployment benefits paid out are $1,278. This would obviously make it next to impossible for an unemployed person to afford health coverage and still provide the necessities for their family. The disturbing reality of these statistics is that for every 1% increase in the unemployment rate there are another 1.1 million Americans who become uninsured.

Many states have started programs to help provide health insurance to the unemployed. People are urged to check with their state government representatives to learn more. Some states are making health insurance available for very minimal costs should you qualify. Each state has different eligibility rules, but in most states uninsured children 18 years old and younger, whose families earn less than $34,100 a year, are eligible.

There are options for health insurance should you find yourself unemployed, you just might have to dig a little deeper to find them. Anyone who finds themselves uninsured are urged to pursue any program to get them insured as soon as possible to avoid further financial hardship.