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Keeping Health Insurance After the Campaign Ends

Posted By Susen Askew, Qvisory, Wednesday, January 28, 2009

Editor's Note: This post is from Susan Askew at Qvisory, a partner of Democratic GAIN.  Qvisory is a new online organization that puts the money, work, and health goals of young Americans first. Combining advocacy, education, tools, and services, Qvisory is building a movement in which each of us can improve our own lives and take collective action for meaningful change in the policies that directly affect our economic well-being and health. 

Keeping Health Insurance After the Campaign Ends

Finished with a campaign? Wondering what to do about health insurance while you look for your next job?  Well, with just a little bit of homework and some comparison shopping, you can learn your options, make an educated decision and be covered while you look for you next adventure.

Some quick tips:

  1. First, understand your rights and options.  You may be eligible for COBRA which allows you and your family to keep your health coverage in the event you lose your job. There are several factors that determine if you are eligible.  Check with your employer if you haven’t already been offered this option.  More on understanding COBRA can be found at in the COBRA Information Center on
  2. Determine if COBRA is right for you.  If you or a member of your family is pregnant, has a pre-existing health condition, are taking prescription medications, or have been declined for private health insurance, COBRA is likely to be your best option.  However, if you and your family are relatively healthy, you may be able to purchase a comparable individual and family health insurance plan for a lot less money than COBRA will cost. 
  3. Research your alternatives.  Qvisory, a Democratic GAIN partner that focuses on financial and health care resources and issues for young workers, can help you find more affordable health insurance quickly and easily. Compare your COBRA coverage with other alternatives at Qvisory.  If you live in Illinois there is a policy that costs as little as $40 per month.
  4. Remember…  It is important to compare benefits to ensure your individual needs are met.  Do NOT cancel any health insurance plan until you have been approved for another one.
We all look forward to health care reform.  Until then, health care is part of all of our economic lives and financial decisions.  Don’t make assumptions about what you can afford.  Check out the possibilities and while you are at it, put your name on a map to call for health care reform now! 

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