Unemployed individuals can obtain health care coverage through the Health Insurance Marketplace or through the Medicaid program, according to HealthCare.gov. The Children's Health Insurance Program, or CHIP, is also available for eligible children. Health care coverage and rates through the Marketplace are determined by household size and income.
The insurance plans available includes premium tax credits, out-of-pocket costs and low-cost health care. Once a person applies for Marketplace insurance, he is offered one of three plan options, depending on eligibility.
Depending on state laws, Medicaid covers disabled, elderly, pregnant and some low-income people. CHIP covers children in households in which the incomes surpasses Medicaid, but is not high enough to buy private insurance, states HealthCare.gov. Depending on the state, CHIP may also cover pregnant women, while Medicaid may cater to adults who don't have a certain amount of income. The application time for CHIP and Medicaid runs throughout the year, so there are no time limits for applying. Upon application, health care begins immediately.
The federal and state governments manage Medicaid and CHIP, says HealthCare.gov, but coverage can sometimes be provided by private insurers. Although Medicaid has an obligation to stick to federal rules, the costs and coverage may vary from one state to another.