Navigating Health Insurance during a Strike: What You Need to Know

Losing health insurance during a labor strike can be a daunting experience, but understanding your options can help you make informed decisions. Here’s what you need to know if you find yourself in this situation:

COBRA (Consolidated Omnibus Budget Reconciliation Act)

The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows employees to continue their employer-sponsored health insurance for up to 18 months after losing it due to a strike. COBRA coverage typically includes the same benefits as the plan that you had before the strike. However, it is important to note that COBRA coverage can be expensive, as you will be responsible for paying the full premium, including the employer’s share.

Obamacare (Affordable Care Act)

The Affordable Care Act (ACA) provides health insurance to individuals and families who do not have access to employer-sponsored insurance. If you are not eligible for COBRA, you may be able to purchase a health insurance plan through the ACA Marketplace. ACA plans are available at different levels of coverage and affordability, and you may qualify for premium tax credits to help reduce the cost.

Healthcare.Oregon

Healthcare.Oregon is Oregon’s health insurance marketplace for individuals and families. If you are a resident of Oregon and do not have access to employer-sponsored insurance, you may be eligible to purchase a health insurance plan through Healthcare.Oregon. Healthcare.Oregon plans are available at different levels of coverage and affordability, and you may qualify for financial assistance to help reduce the cost.

Negotiating with Providers

If you need medical care but do not have health insurance, you may be able to negotiate a reduced rate with your healthcare providers. Some hospitals and clinics offer financial assistance programs for patients who are unable to pay for the full cost of their care.

Hospital Billing Department

Contact the billing department of your hospital to inquire about financial assistance programs. You may be eligible for a discount on your hospital bill based on your income and family size.

Tips for Choosing a Health Insurance Plan

Consider your budget. Health insurance premiums can vary widely, so it is important to choose a plan that you can afford.
Check the coverage. Make sure the plan that you choose covers the medical services that you need.
Compare deductibles and out-of-pocket costs. A higher deductible can mean lower monthly premiums, but you will have to pay more out of pocket if you need medical care.
Look for plans with a wide network of providers. This will ensure that you have access to the doctors and hospitals that you need.

Additional Resources

[Healthcare.gov](https://www.healthcare.gov)
[Healthcare.Oregon](https://healthcare.oregon.gov)
[National Association of Insurance Commissioners](https://www.naic.org)
[Kaiser Family Foundation](https://www.kff.org)

Losing health insurance during a strike can be a difficult experience, but understanding your options can help you make informed decisions. By exploring COBRA, the ACA, and other options, you can find a health insurance plan that meets your needs and provides you with the peace of mind that you deserve.