I am 59 years old and unemployed, can I qualify for insure Oklahoma health insurance?

Asked by Connie from Oklahoma

Connie:

Without knowing your medical history and other personal information, I can’t confidently say whether you’ll be able to get individual health insurance in Oklahoma, but I do have some optimism (for what it’s worth).

A good place to start your search is by clicking here.

Brace yourself for some potential sticker shock: even for those in good health, individual insurance is expensive, and it is typically more expensive the older you get (because older Americans tend to need more care).

If cost is a consideration, you might want to investigate a catas trophic or high-deductible health plan. These can be relatively cheap and will provide you with a crucial safety net. They are typically paired with a health savings account (HSA).

Is COBRA an option?

If you recently had group insurance through your employer, you may be able to continue to get group rates (you’d be responsible for the premium) for up to 18 months. If it has been under 60 days since you lost your employer-provided group health insurance, this could be a good option for you.

Buyer beware

The National Association of Insurance Commissioners (NAIC) cautions people of all ages who are considering buying health discount cards: “Be wary of health discount cards. If you are considering the purchase of a health discount card of any sort – for example, to cover pharmaceuticals, dental care or doctor visits – be sure to investigate whether the insurer is legitimate by calling your state insurance department."

Good luck with your search!

Find more health insurance resources here.

Please note: InsureMe Answers is not intended to be a substitute for advice from a licensed professional. For specific questions about a policy or claim, please contact your insurance agent or company.

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