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Lost your job? How to keep your health coverage:
• See if you can get on your spouse's company's plan.
• Check the cost of COBRA coverage. If you have a preexisting condition that could prevent you from getting health insurance on your own, it might be a good bet.
• If you are healthy and have a job lined up, a short-term policy will provide temporary coverage. But it won't cover preexisting conditions.
• If you are healthy and don't know when you'll be employed again, check out options for individual health insurance.
• If you have a family that needs coverage, think about mixing and matching. A family member who has a preexisting condition might want to stay on COBRA while healthy members buy individual policies.
State and federal programs:
Medical Assistance: for low-income people who can't afford private insurance
MinnesotaCare: for those who earn too much to qualify for Medical Assistance but can't afford private insurance
Minnesota Comprehensive Health Association: for those who have preexisting conditions who are rejected by private insurers
Find eligibility criteria at www.dhs.state.mn.us.
Sources: eHealthInsurance, Minnesota Council of Health Plans, independent brokers
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