How to Get Health Insurance If You’re Uninsured Or Just Unsure

If you've recently lost your job or are self employed or work as a freelancer, you may not have health insurance. You're not alone. Hundreds of thousands go uninsured due to financial reasons.

Others may be staying in jobs they hate "because I need the health benefits" and they worry about what to do if they make a transition. You're not alone either. Good health is a huge priority. Without that, everything else can fall apart.

I'm a strong advocate for taking preventative health measures. But part of taking preventative measures is making sure you see your physician for annual general checkups along with followups, and seeing a physician when you know something is wrong.

Since it can be confusing navigating where to go to obtain health insurance during such times, I thought the following might help.

The American Diabetes Association has put together a very helpful resource guide for you. I've used New York here, since many of you reside there but you can get the same information for ANY state by clicking on your state on the red map on their website.

NEW YORK

The following information details health insurance and assistance programs available to uninsured people in New York.

If you currently have health insurance or have just lost health insurance coverage within the past 60 days, visit the health insurance section of the American Diabetes Association website for options available to you.

New York Insurance Department - (800) 342-3736

Residents of New York cannot be turned down from purchasing an individual health insurance policy regardless of any health conditions they may have. This is called guaranteed issue. In addition, residents cannot be charged a higher rate for their policy because of their health status. This is called community rating. The New York Insurance Department may be able to help you locate names and phone numbers of possible insurers who will sell you this type of policy. Please contact them for more information.

If you are having a problem with your state-regulated health plan and you are unable to resolve it with the plan directly, file a complaint with the Insurance Department. They may be able to provide you with assistance in reaching a conclusion.

New York Health Insurers Guide Available

The New York Consumer Guide to Health Insurers provides information about the wide range of health care options available in in the state and enables New Yorkers to compare commercial and non-profit health insurers as well as health maintenance organizations (HMOs) on a variety of factors, from services offered to overall consumer satisfaction. This guide can assist you in finding the best health care plan for you and your family.

New York Medicaid - (518) 486-9057

Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify. Contact your state Medicaid program for more information.

Healthy New York - (866) 432-5849

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