Health Insurance Blog

Many states have state sponsored health insurance plans that are designed for “the working uninsured”.  Generally the monthly premiums of these plans are subsidized by the state and in order to qualify, applicants must have household income levels that don’t exceed 200% of federal poverty level, and being a resident of the state.  Each state has their own set of eligibility requirements.  For example in some states applicant may not have access to an employer sponsored health plan.

Some examples of these state sponsored plans for adults include:  The Healthy Indiana Plan, Insure Oklahoma, Washington Basic Health Plan, CoverTN, and BadgerCare.

Even if you don’t qualify for a state sponsored health insurance plan, because you make too much money or other reasons, there are many quality affordable health insurance plans available in each state.   You can compare plans online here at healthinsurancesort.com with no obligation.

The top five Tennessee health plans (based on prevention, treatment and customer assessment) according to US News and World Report’s annual rankings were as follows:

UnitedHealthCare Plan of the River Valley - Also rated as the #1 overall health plan for the Medicare market

CIGNA Healthcare of Tennessee - ranked #1 in Tennessee on the customer assessment measure.

Cariten Health Plan

UnitedHealthcare of Tennessee

Aetna Health of Tennessee

More information about Tennessee health insurance plans.

Tennessee residents who are between jobs can now purchase health insurance coverage through CoverTN.  A new category within CoverTN called Tennesseans Between Jobs, provides Tennessee health insurance coverage to individuals who have worked at least one 20 hour week in the last six months while earning less than $43,000annually.

Tennesseans Between Jobs is also open to individuals who have had their work hours reduced to below 20 per week in the last six months.

Those who are enrolled in the program pay two-thirds of their monthly health insurance premiums and the state of Tennessee picks up the remaining third.

With today’s state of the economy, and unemployment rates expected to continue their upward climb, this recent move by the state of Tennessee seems like a move in the right direction and one that other states should take note of — particularly states with above average unemployement rates.

In the absense of a state subsidized health insurance plan like CoverTN, the best option for individuals in-between jobs who believe that they will only be unemployed for a short period of time is a short term health insurance plan, but they can generally available for up to 180 days and many times cannot be removed