[20200504]IF11523_失业后的健康保险选择.pdf

https:/crsreports.congress.gov Updated May 4, 2020Health Insurance Options Following Loss of EmploymentMany Americans have health insurance coverage that is provided through an employment setting. In light of the economic repercussions of the COVID-19 pandemic, many Americans may lose the jobs through which they receive health insurance. Such individuals may need to identify another source of health insurance to remain enrolled in plans that cover COVID-19-related services. Three potential comprehensive coverage options for these individuals include the Consolidated Omnibus Budget Reconciliation Act (COBRA) continuation coverage, individual health insurance coverage, and Medicaid. An individuals eligibility for these coverage options depends on a number of factors (e.g., economic circumstances, family composition, federal/state policies). Even if an individual is eligible for such coverage, the costs associated with some options may be prohibitive given the individuals loss of income due to unemployment. This In Focus provides a brief overview of eligibility, benefits, and costs associated with these different health insurance coverage types. For married couples in which one spous