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If you are unemployed or you have recently lost or changed jobs, chances are you don't have health insurance coverage. You may have had a temporary policy that you were able to keep under your employer's group plan. But now you're on your own and have to find affordable health insurance to help supplement the lack of coverage from your employer. Your option could be Medicare, Medicaid, a State Health Exchange Plan, or a Family Health Plan.Medicare is an open government plan that provides free medical care for anyone over the age of 65. In order to qualify, you must meet some basic criteria related to income and assets. The lowest affordable health insurance plan would be Medicaid. However, you still must first qualify for the federal health care program to enroll in it.To be considered for Medicaid, you must be eligible for Medicaid and be below a specific income level. In order to find out if you are eligible, contact your state health insurance marketplaces. For seniors, the Department of Health and Human Services (HHS) offers the Federal Benefits For The Elderly (FEOE) program. According to the website, the goal of the FEOE program is to offer quality long-term and preventive care to eligible senior citizens at reasonable cost. So, if you are eligible for Medicaid, you may apply for one of the state health care plans offered by your local Division of the Federal Family Planning Services (DFS).There are different types of insurance plans offered by the state DFSs: Managed care, fee-for service, and competitive premium short-term disability. According to the DFS website, the Managed care plans are for those who need assistance with daily personal care, hospital stays, and specialized health care for individuals with a severe chronic illness or condition. Under the fee-for service plan, insurers may pay a percentage of the actual costs of a medical service up to a maximum limit based on the insurer's risk. For competitive premium short-term disability insurance plans, the insurers have to charge an annual premium.There are several Medicare supplement policies available to protect against high deductibles and other out of pocket expenses. Medicare Part A and Part B of thehttps://truecoverage.com/Act (AHIPA) provide coverage for doctor visits, hospital stays, and certain nursing home services. There are also several State Health Programs such as Medicaid, Children's Health Insurance, and Temporary Medical Assistance for Needy Families (TMSF) that are offered by state governments. According to the CMS, the TMSF program offers special grants to states to help them cover the cost of care in cases where the insured person or beneficiary is in a medically unnecessary state. The family of a disabled child is eligible for the Medicaid program, which provides coverage for family care, foster care, and child care; however, children enrolled in the Medicaid program must be enrolled before they reach the age of 18.Several insurers offer standard family coverage and premiums are generally fixed at a rate that takes into account the projected income of an insured family as well as the premium requirements of each individual family member. There are three major types of Silver health insurance policies, which are catastrophic, limited coverages, and premium band plans. The catastrophic policy covers catastrophic medical expenses that exceed an amount specified in the policy. The limited coverages require the insured to choose a set amount of benefits, which is usually less than the actual deductibles. Lastly, the premium band plan requires the insured to choose a group rate, which can be based on the average cost of health care in your area.