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Health Insurance: Can I get Health Insurance Without a Job?

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How to obtain health insurance after losing your job



Have you lost your job? Have you been asking yourself if you could actually get a health insurance without job? Then read on to know more. If you lose your employment for any reason, one of the biggest concerns is how to ensure your potential medical needs are covered. The good news is you can get health insurance without a job. While group health insurance is not an option for those without an employer, you can still qualify for individual or family plans. Individual health insurance offers all the same coverage options as you may find from employer-sponsored plans.

If you are unemployed, your employer doesn’t offer health insurance, or you do not qualify for benefits offered at your job, you still have a few health insurance coverage options:

COBRA

Medicaid, Medicare, CHIP

Affordable Care Act (ACA) insurance

Individual or family health insurance

Most Americans do get their health insurance through their employer. According to a 2017 survey by the Kaiser Family Foundation (KFF) about half (49%) of Americans get employee sponsored health insurance.

Even if you’re in the minority, you can still find unemployed health insurance that’s right for you, your situation, and your budget. At eHealth, our licensed brokers have the expertise and experience to help you find the best individual or family health insurance plan for your needs and budget.

COBRA

If you lose your health benefits, you may qualify for COBRA, which allows you to continue group health benefits provided by your group plan for a limited period time.

Circumstances that may trigger COBRA are:

  • Job loss
  • Reduction in hours that cause a loss in coverage
  • Divorce or separation from a covered employee
  • The death of a covered employee
  • The employee becomes entitled to Medicare
  • The death of a covered employee
  • Or a dependent of a covered employee ceases to be a dependent under the terms of the plan (an adult child turning 26, for example)

If you’ve experienced any of these you may be eligible for COBRA.

However, with COBRA you will have to pay the total premium, rather than split it with your former employer. With group insurance, your employer typically pays the majority of the bill; according to the KFF the employer paid about 82% of the premium for single coverage and 71% for family coverage. You will have to pay 100% of the premium with COBRA. However, under the ARPA, the federal government will pay the entire COBRA premium for unemployed individuals through September, 2021.

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After one of these qualifying events, you’ll usually have 60 days to decide whether or not you’ll opt into your former employer’s COBRA benefits.

Medicaid, Medicare, CHIP

You also may be eligible for government health insurance programs if you are unemployed. Eligibility will depend on your age, whether you have children, and what your current income amount might be.

You may be eligible for Medicare if you are 65 or older (even if you’re not ready to retire), a younger person with a disability, or have End-Stage Renal Disease.

If you are a low-income person or family you may be eligible for Medicaid. If you are a low-income family with children, you may be eligible for CHIP.

ACA insurance

ACA-compliant plans, also known as Obamacare plans, are another option you have if you make too much money per year to qualify for Medicaid or CHIP.

These plans are what you can find on the government Marketplace or your state’s health insurance exchanges, depending on where you live. ACA compliant plans are required to cover 10 basic benefits:

Care before and after a child is born

Preventative visits

Outpatient services

Emergency room visits

Inpatient care (care in hospital)

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Prescription drugs

Mental health and substance use disorder services

Lab services

Pediatric services, including oral and vision care

Rehabilitative and facilitative services

Individual private health insurance

Individual private health insurance is a plan you purchase from a non-government exchange. Shopping on a private exchange, like eHealth, allows you to have more variety in your coverage options. You will also have the option of shopping for ACA-compliant plans, and you’ll even be able to apply for subsidies through eHealth by proxy.

Keep in mind that since the ARPA expanded qualifications for subsidies, you might now be eligible for assistance even if you did not qualify before. According to the new rules, enrollees now do not pay more than 8.5% of their income towards their insurance coverage, which has been reduced from nearly 10% under the prior limits. In addition, those earning more than 400% of the federal poverty level may now qualify for subsidies. In 2021, that includes individuals making about $51,000 or less annually and families of four making more than $104,800 annually.

If you find that subsidies aren’t an option for you, you’ll also be able to shop for alternative individual and family plans that may offer less benefits but be within in your price range. Short-term health insurance and catastrophic plans are two options that fall into this category.

Short-term health insurance


One option for people looking for a temporary, affordable solution is short-term health insurance. If you’re experiencing a short lapse in coverage due to job loss or ineligibility for benefits, a short-term health insurance plan may be a good option for you.

Short-term health insurance plans are meant to help you bridge gaps in your health insurance coverage, until you can find a more long-term solution. They tend to be much cheaper than major medical health insurance premiums, however they do not have the same level of coverage.

What happens to your employer-sponsored health insurance when you are laid off?

If you are laid off from your job, your health insurance coverage typically ends when your job does. Some employers will extend benefits to the end of the month in which you are laid off, but this varies from company to company. Under a federal program known as COBRA, you may keep your current insurance, but you must pay the full amount of the premiums and any other expenses previously covered by your former employer.

The cost of keeping your current coverage under COBRA can be quite high. Many individuals find it is more cost-effective to enroll in an unemployed health insurance plan that will offer similar coverage for less money in many cases.

How can I get health insurance without a job

How can I get health insurance without a job?

Group insurance through an employer may be the most common way to obtain health coverage, but it is not the only one. If you find yourself unemployed, a Special Enrollment Period (SEP) allows you to enroll in an individual or family health plan within 60 days. Other events that might make you eligible for an SEP include:

Changing your marital status

Having a baby (or adopting a child)

Becoming a US citizen

Moving to an area where your current plan is not offered

Losing health insurance from your employer

Once you enter your SEP, you can shop for unemployed health insurance on the exchange offered by your state or through a licensed broker like eHealth. If you choose a plan that is compliant with the Affordable Care Act (ACA), you may qualify for subsidies if you can’t afford your health plan on your own. With increases in subsidies due to the ARPA, more people are qualifying for subsidies than ever before.

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Eight Health Advantages of Guava Fruit and Leaves

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HEALTH BENEFITS OF GUAVA FRUITS AND LEAVES

Tropical plants from Central America are the source of guavas.

Their fruits are oval in shape, with skin that is either pale green or yellow, and the seeds are edible. Additionally, guava leaf extract is utilized as a supplement, and the leaves are used to make a herbal tea.

Guava fruits are incredibly high in fiber, vitamin C, potassium, and antioxidants. They have numerous health advantages thanks to this exceptional nutrient content.

style="text-align: left;">Here are 8 guava fruit and leaf health advantages supported by scientific research.

1. Might Aid in Blood Sugar Control

Guava may help you better regulate your blood sugar, according to some data.

Guava leaf extract reduced blood sugar levels, long-term blood sugar control, and insulin resistance, according to several test-tube and animal investigations.

For individuals at risk or who have diabetes, this is good news.

A few human experiments have also produced some striking outcomes.

A 19-person study found that drinking guava leaf tea after a meal reduced blood sugar levels. The results persisted for up to two hours.

In a second trial, 20 participants with type 2 diabetes who drank guava leaf tea after eating had their blood sugar levels drop by more than 10%.

2. Could Improve Heart Health

Guavas have a lot of potential benefits for heart health.

Many scientists think that the abundant vitamins and antioxidants in guava leaves may help shield your heart from oxidative damage caused by free radicals.

Guavas’ greater potassium and soluble fiber content are also believed to benefit heart health.

Guava leaf extract has also been associated with reduced blood pressure, a rise in “good” HDL cholesterol, and a drop in “bad” LDL cholesterol.

Taking guava leaf extract may have beneficial effects because high blood pressure and high levels of LDL cholesterol are associated with increased risks of heart disease and stroke.

Additionally, the fruit might be advantageous for heart health as well.

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Eating ripe guava before meals resulted in an overall drop in blood pressure of 8 to 9 points, a fall in total cholesterol of 9.9 percent, and an increase in “good” HDL cholesterol of 8 percent, according to a 12-week trial of 120 participants.

Numerous other investigations have observed this same impact.


3. Could ease uncomfortable menstrual symptoms

Dysmenorrhea, which includes uncomfortable menstrual symptoms such stomach cramps, is a common occurrence among women.

There is some proof, nevertheless, that guava leaf extract may lessen the severity of menstrual cramps’ discomfort.

According to a study involving 197 women who had severe symptoms, ingesting 6 mg of guava leaf extract daily lessened the severity of the pain. It gave the impression of being much more potent than certain painkillers.

Another theory suggests that guava leaf extract can ease menstrual cramps.

4. Might Be Beneficial For Your Digestive System

A great source of dietary fiber is guavas.

Consequently, increasing your guava intake may promote regular bowel motions and ward off constipation.

One guava can give you 12% of the daily required amount of fiber.

Guava leaf extract may also be advantageous to intestinal health. According to studies, it might lessen the severity and duration of diarrhea.

Several research have also demonstrated the antibacterial properties of guava leaf extract. This indicates that it has the ability to eliminate potentially dangerous intestinal microorganisms that can result in diarrhea.

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5. Can Help You Lose Weight

Guavas are a healthy fruit for shedding pounds.

Fruits are a full, low-calorie snack because they have only 37 calories per fruit and provide 12 percent of the daily necessary fiber intake.

They are nutrient-dense, unlike some other low-calorie snacks, so you aren’t missing out on any essential vitamins or minerals.

6. Might Have Cancer-Preventive Effects

It has been demonstrated that guava leaf extract has anticancer properties. Guava extract can inhibit and even stop the growth of cancer cells, according to research conducted on animals and in test tubes.

This is most likely caused by the abundance of potent antioxidants, which shield cells from the cell-damaging effects of free radicals, one of the primary cancer-causing agents.

Guava leaf oil was found to be four times more effective than some cancer medications in one test-tube trial at halting the growth of cancer cells.

Although the outcomes of tests in test tubes are encouraging, guava leaf extract does not necessarily help treat cancer in humans. Before any conclusions can be drawn, more research is required.


7. Might Strengthen Your Immunity

An increased risk of infections and illnesses is associated with low levels of vitamin C.

As one of the best food sources of vitamin C, guavas are a great method to receive this nutrient.

In fact, one guava has roughly twice as much vitamin C as is recommended daily (RDI). You would receive about twice as much from an orange as this.

A strong immune system is maintained in large part by vitamin C.

Vitamin C has been demonstrated to shorten the length of colds, even if it hasn’t been proven to prevent them.

It also has antibacterial advantages. This indicates that it aids in the elimination of harmful bacteria and viruses that might cause infections.

It’s critical to routinely consume adequate vitamin C through your diet because it can be quickly drained out of your system.

8. Consuming Guavas Could Benefit Your Skin

A guava’s diverse array of vitamins and antioxidants may do wonders for your skin. Its antioxidants might shield your skin from harm, which might delay aging and help avoid wrinkles.

Furthermore, applying guava leaf extract directly to your skin may potentially help treat acne.

Guava leaf extract was found to be effective at killing acne-causing bacteria in a test-tube study, most likely because of its antibacterial and anti-inflammatory qualities.

To validate the effect of guavas and guava extract in preserving good skin, more research is required.

The Conclusion

Guavas are wonderfully tasty and full with vitamins.

This tropical fruit is a great complement to a balanced diet because it is high in fiber and low in calories.

The advantages of guava leaf extracts, which are consumed as dietary supplements, have also been supported by numerous research.

Guava fruit and leaf extracts may improve your immune system, digestion, and heart health in addition to other advantages.

 

ALSO READ: HEALTH BENEFITS OF COCONUT WATER

                       INCREDIBLE HEALTH BENEFITS OF BITTER KOLA

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How to relieve burning throat: 7 causes

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The usual sign of infections and other underlying medical disorders is a burning throat. It may appear on its own or in conjunction with other symptoms.

A burning throat is frequently treatable at home. Recovery depends on getting lots of rest and consuming plenty of fluids.

Discover the potential reasons of a burning throat in this article, and discover when to seek medical attention. We also go over some easy home cures for treating the ailment.

The Causes And Remedies

A burning throat may have a variety of causes, including:

1. Flu and colds

A cold or the flu is a typical reason for a burning throat. These infections, which impact the respiratory, or breathing, system, are brought on by viruses.

The following are typical cold and flu symptoms:

A sore throat

The cough

A blocked nose

Sore muscles

Tiredness

Headaches

Anyone experiencing severe symptoms of the flu should consult a doctor since it can lead to complications. Breathing difficulties, chest pain, convulsions, and lightheadedness are some of these symptoms.

2. Tonsillitis

At the back of the throat are tissue lumps called tonsils that aid in the defense against bacteria and viruses. An infection called tonsillitis causes the tonsils to enlarge.

Typically, an infection results in:

Discomfort and pain in the throat

Having trouble swallowing

Red or enlarged tonsils

Headaches

Tiredness

The flu

An ear pain

Tonsillitis typically gets better in 1-2 weeks.

dependable source Home remedies for the condition include lots of rest, drinks, over-the-counter pain relievers, and throat lozenges.

3. GERD

The muscle that connects the esophagus, or food pipe, to the stomach weakens or relaxes, resulting in gastroesophageal reflux disease (GERD).

Food or stomach acid may rise into the throat and occasionally the back of the mouth when the muscle is not sufficiently tight.

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Heartburn is the predominant symptom of GERD. Additional signs include:

Nausea

Poor breath

Chest pain

Having trouble swallowing

The feeling of burning in the throat

Changing one’s lifestyle as part of treatment frequently entails eliminating rich or acidic items from the diet. Some people need to be medicated or operated on.

4. Strep throat 

A person with strep throat may suffer a fever, a burning sensation in their throat, and discomfort when swallowing.

Several unpleasant sensations are brought on by the bacterial illness known as strep throat.

Strep throat symptoms can appear suddenly and include the following:

A sore throat

Difficulty swallowing

A flu

Headaches

Nausea

Red or enlarged tonsils

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A throat swab can be used to diagnose strep throat, and a doctor may also recommend antibiotics. During healing, a person should also get lots of rest and hydration.

5. Mono

Mono, also referred to as infectious mononucleosis, is a highly contagious viral infection. Young adults and teenagers are most likely to contract itTrusted Source.

The ailment usually manifests itself 4-6 weeks after first coming into touch with the virus. An early sign of mono is a sore or burning throat.

Additional signs include:

Fever

Extreme fatigue

Sore muscles

Headaches

A rash

Mono usually requires 2-4 weeks to heal, although some people experience symptoms for months. Rest, over-the-counter pain relievers, and drinking lots of fluids are all part of the treatment.

Mono spreads like wildfire. Doctors advise those who have it to avoid kissing and to avoid sharing food, drinks, or toothbrushes.

6. The burning mouth condition

A painful condition is burning mouth syndrome. It hurts and gives the mouth and surrounding area a burning or tingling sensation.

A peculiar aftertaste in the mouth and dry mouth are other symptoms. The lips, tongue, or roof of the mouth may be impacted.

Before making a diagnosis of burning mouth syndrome, a doctor may do tests to rule out underlying reasons.

7. Esophagitis

Esophagitis is esophageal inflammation. This inflammation can be brought on by GERD, medication, an infection, or an allergy.

Heartburn, swallowing issues, and a burning throat are typical symptoms.

Esophagitis needs to be treated in order to prevent long-term health problems, although recovery is possible.

Esophagitis with eosinophilia is one variation of the illness. This is a persistent food allergy that results in inflammation of the food pipe. The diagnosis might be difficult, and different professionals may need to collaborate on the treatment strategy.

Eosinophilic esophagitis can be diagnosed by a doctor using a tissue sample from the patient’s throat, a skin prick test, or blood tests.

Eliminating a particular food from the diet that is triggering the reaction frequently alleviates the inflammation.

A Home Remedy

A person may need medical attention, depending on the medical condition causing the burning in the throat.

However, home remedies can be useful for treating symptoms and relieving discomfort when the ailment is the result of a cold, flu, or tonsillitis.

When fighting off a cold or the flu, it’s important to stay hydrated because the body loses fluids through sweating and runny nose. The body can work better and resist viruses and bacteria with the aid of water.

Drinking enough of liquids can aid in preventing the throat from drying out, which can irritate it. Try consuming a beverage made of hot water, honey, and lemon to relieve throat discomfort.

Heat relaxes muscles and helps ease discomfort, so keeping the throat warm can also help with soreness. For warmth, loosely encircle the neck in a scarf.

Resting is important because the body needs time to heal. Reduced activity and time off from work or school can aid in recuperation and stop the spread of infections.

Whenever to visit a doctor

A person should consult their doctor if they experience both chest pain and a burning throat.

Tonsillitis or a cold are typically best treated at home. Medication may be necessary for other conditions.

Consult a doctor if a sore throat persists for longer than two weeks.

A burning throat may be accompanied by more severe symptoms. Adults who exhibit any of the following symptoms in addition to the flu may require emergency medical care:

Chest pain

Dizziness

Confusion

Not going potty

Severe muscular ache

Extreme fragility

Having trouble breathing

Seizures

If there are any questions regarding symptoms, persons over the age of 65, children, pregnant women, and those with compromised immune systems should consult a doctor.

Conclusion

In conclusion, tonsillitis, GERD, colds, and other illnesses can all result in a burning sensation in the throat.

Keep the neck wet and use other natural therapies to relieve the soreness.

Consult a doctor for a complete diagnosis and treatment if symptoms are severe or if over-the-counter medications do not sufficiently relieve them within a few weeks.

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Green Tea – Health Benefits

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Green Tea – Health Benefits

You know that green tea provides many benefits for us and our health. Chinese knew about the health benefits of green tea long ago and they are using green tea to treat everything, from headaches to stress. We give you 18 good reasons why you should drink this magical herb.

1. Green Tea helps in weight loss

Green tea helps in melting fat, which is very good if we are willing to lose weight. Except burning fat, green tea also boosts our metabolism naturally. It can help us burn up to 70 calories in just one day. That means if we consume green tea regularly we can lose up to 3.5 kg (7.5 lbs) per year.

2. Green Tea reduces blood cholesterol levels

Green tea can help reducing blood cholesterol levels. It also enhances relationship between bad cholesterol and good cholesterol, by reducing bad cholesterol level.

3. Green Tea prevents heart diseases

Green tea helps preventing heart disease and stroke, thus reduces bad cholesterol level.  After a heart attack, green tea speeds up the recovery of the heart cells.

4. Green Tea reduces risk of cancer

Green tea helps reducing the risk of cancer. Antioxidants in green tea are more effective than vitamin C and also are considered to be much better than vitamin E. It helps your body protect cells from damage related to cancer.

5. Green Tea reduces the risk of arthritis

Green tea can reduce and sometimes help against the risk of rheumatoid arthritis. It protects the cartilage by blocking the enzyme that destroys cartilage.

6. Green Tea is good for treating Alzheimer’s

There is no cure for Alzheimer’s disease, but green tea helps in slowing down the process that releases acetylcholine in the brain, leading to Alzheimer’s disease, so it helps improving your memory.

7. Green Tea strengthens our bones

Green tea has high fluoride content. Fluoride helps maintaining bone strength. If you drink green tea every day, it will help you keep your bone density.

8. Green Tea for anti-aging treatment

Green tea helps against aging and helps us look beautiful and younger. This benefit comes due to the antioxidants known as polyphenols which fight against harmful effects of free radicals causing skin aging and wrinkling.

 9. Green Tea prevents obesity

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Green tea prevents obesity by stopping glucose turn into fat cells. If you drink green tea and if you practice healthy diet, also if you exercise regularly, you will never be overweight and you will have nice sculpted body and excellent health.

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10. Green Tea is good for patients with diabetes

Green tea improves glucose metabolism and prevents increasing of blood sugar levels.

11. Green Tea helps preventing high blood pressure

Drinking green tea helps keeping lower blood pressure by repressing angiotensin, which leads to high blood pressure.

12. Green Tea helps preventing Parkinson’s disease

People who drink green tea reduce the probability of having Parkinson’s disease. Antioxidants in green tea help preventing brain cell damage, which could cause Parkinson’s disease.

13. Green Tea is good for liver diseases

It helps preventing transplantation in people with liver failure. Green tea also destroys harmful free radicals in fatty liver.

14. Green Tea strengthens the immune system

Green tea contains flavonoids and polyphenols which help in strengthening the immune system, making your body become stronger and fight against infections.

15. Green Tea reduces blood sugar

Green tea contains polyphenols and polysaccharides that help us reducing blood sugar.

16. Green tea helps fighting flu and allergies

Green tea contains Vitamin C which helps preventing and also fighting flu. Epigallocatechin gallate which is found in green tea relieves allergies.

17. Green Tea reduces stress and helps against tooth decay

Green tea is rich in L-theanine – amino acid which can help reducing stress. Green tea also destroys viruses and bacteria which cause many dental diseases of teeth.

 18. Green Tea prevents food poisoning

Green tea contains antioxidant catechin capable of destroying bacteria responsible for food poisoning, green tea also kills toxins in our body.

 

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