Alternatives for coverage during the waiting period
During the 2-year waiting period, you may want to have access to healthcare coverage. Fortunately, there are other options that provide certain coverage for you.
Medicaid
If you have a low income, you may qualify for Medicaid. You may be qualified for Medicaid if you are younger than 65 and have a disability. You can apply for Medicaid on the government website by applying to their state Medicaid agency or by creating an account.
COBRA
The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a law that gives some employees and their families’ access to their healthcare coverage after they leave their job. You can keep the coverage for 18–36 months, but you must pay the full price of the premium. You may also have to cover the percentage the employer used to pay.
Health Insurance Marketplace
The Health Insurance Marketplace is a place where you can enroll in a cheap private health plan. The federal government controls the activities of the place. You can apply for this service through the website HealthCare.gov. You can also check local contacts, costs, and plans.