Many business owners provide health insurance policies, under employer health insurance programs and the like, are helpful to their workers and need healthcare coverage. Unemployed workers have one or the two options either to remain uncovered or to go for a COBRA health insurance scheme after becoming jobless.

There have been claims that some of the unemployed health insurance opportunities are more affordable to unemployed persons than the COBRA policy. Short-term health insurance policies have been preferred by many jobless persons or those not insured by their employers.

Arguments concerning the short-term health insurance and COBRA health insurance policies are such that the former is not very comprehensive in many situations. This is despite the fact that jobless persons who cannot afford COBRA policy have the liberty to go for a short-term policy to come to their aid in times of emergencies.

Whereas, the short-term health scheme is blind to regular doctor visits and medical checkups it comes in handy when an individual is in dire need of a major medical scare or injury, the plan most often reduces the cost that could have been paid for treatment of even surgery.

Short-term health insurance differs from state to state and terms and conditions differ as cases are on circumstances. The fact remains that the jobless persons without a health insurance policy and COBRA remains unaffordable have stormed the short-term scheme as the affordable means to health insurance. People are advised to do a good “window shopping” and find the most affordable and effective health plan that is beneficial to their specific needs.

Image Credit: