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             27 September, 2020
 

    
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COBRA Alternative Health Insurance - What You Should Know

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2009-11-10 06:28:42     
Article by Tracy McManamon

In today's economy, losing a job is much more commonplace than it should be. With so many people being laid off and fired from their jobs, understanding the options for continued health insurance coverage after the jobs are gone is critical. When you are terminated from your position through no fault of your own, you can generally get COBRA alternative Ohio health insurance to cover you temporarily. What is COBRA, and how does it work? Are there cheaper alternatives?

COBRA alternative Ohio health cove refers to the Consolidated Omnibus Budget Reconciliation Act of 1985, which is where the acronym comes from. Don't panic at seeing this name, you don't have to remember it. This act was put into place as a federal law that ensures that employees will continue to get health insurance coverage for up to 18 months after they have been terminated. Under some circumstances, the coverage can even be extended up to 36 months, if you qualify. There are certain qualifications that you have to meet in order to qualify for COBRA alternative Ohio health insurance, but it's pretty basic.

Want to know how much you'll pay? COBRA alternative Ohio health insurance will be the same price as your group insurance rate was, except that you'll have to pay 100% this time. If your company was footing part of your insurance bill before, they no longer will. Your employer should inform you about COBRA coverage that is available to you, including the costs and coverage that you can get. What if you can't afford the outrageous prices of COBRA insurance coverage? You do have other options, including traditional insurance, discount plans and programs, and more.

Then, check out individual health plans and other coverage that you can find, because it might actually be more affordable than the plan that you had with your previous employer. This can be very helpful to those who feel like they can't afford health insurance. When you lose your job, and can't afford COBRA, there are plenty of alternatives to be found.

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