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Yes, they will be required to buy health insurance but they may be able to avoid at least part of the penalty. Under health reform, a person can go for three months without health insurance and pay no penalty. In addition, there are exceptions to the mandate for people who would have to spend more than eight percent of their income for the lowest cost plan. If you were unemployed for a long period of time, you might qualify for this exception.

There is no guidance yet about how a partial penalty might be calculated, if you had coverage for less than nine months.

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Q: Will the unemployed be required to buy health insurance and be penalized if they don't?
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Where can an unemployed person get health insurance if they have medical issuses?

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There is no penalty until 2014. Health reform allows you to go for three months with no health insurance, and face no penalty/tax. So, if the lapse is three months or less, there is no penalty. An unemployed person would, naturally, have a lower income and therefore might qualify for government subsidies to buy health insurance. The person should go online to the insurance exchange or call the exchange's navigators to apply.


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Aetna, Anthem, Humana, and Blue Cross/Blue Shield offer affordable family health insurance. You can also check with your state health agencies for more information.


How can someone get free health insurance?

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