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Situations That May Impact Your Ability To Obtain Health Insurance

If You Are An Employee Without Health Insurance

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If the employer does not offer health insurance to employees in your position:

  • Find out what is necessary to qualify for another position that provides health insurance at little or no cost. Perhaps you only need to take a course or two at your local college, technical school or on line in order to qualify for an alternative position. (Your employer may even pay for the additional training or education.)
  • Consider negotiating with your boss - even if you have to pay for the coverage. It's protection, it's available and it's often cheaper than buying individual insurance.
  • Think about changing jobs and going to work for a company that offers insurance benefits. 
    • The larger the employer, the more likely to have good benefits. 
    • You cannot be discriminated against when seeking a job because of your health history. 
    • You may even find that some companies offer health insurance benefits to part time workers. (e.g. Fedex)  
    • Do not leave your current job until you have a solid offer from the next one with the benefits you want.
  • Consider becoming self-employed or starting your own business. If this alternative is appealing, think through the stress and difficulties involved.

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