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What are my health coverage options if I'm unemployed?


If you’re unemployed you may qualify for Medicaid, the Children’s Health Insurance Program, or lower costs on Marketplace insurance based on your income.

Your options depend on your household income

Your household size and income, not your employment status, will determine what health coverage options you’re eligible for and how much help you get paying for coverage.

When you apply for Marketplace coverage you will report your current income and estimate your income for 2014.

Learn about how to estimate your income.

Your health coverage options

Based on your income, you may qualify for any of the following:

  • Medicaid. Medicaid provides coverage to millions of Americans with limited incomes or disabilities. Each state’s Medicaid rules are different. Many states are expanding Medicaid in 2014 to cover more people. You can apply for Medicaid in your state now to see if you are eligible. Or you can fill out a Marketplace application to find out if you will qualify in your state in 2014.

  • Children’s Health Insurance Program (CHIP). CHIP provides coverage for children, and in some states pregnant women, in families with incomes too high for Medicaid but too low to afford private insurance. You can apply for CHIP in your state right now to find out if you’re eligible. Or you can fill out a Marketplace application to find out if you’re eligible in 2014.

  • Lower costs on Marketplace insurance. You may qualify for lower costs for monthly premiums and out-of-pocket costs on private insurance based on your household size and income. Some people with very low incomes may wind up paying very small premiums. You can apply for Marketplace insurance now. Coverage can begin as soon as January 1, 2014.