Hi, im looking for cheap health insurance in nyc. Im in between jobs atm, and cant afford hundreds of dollars a month for health. But obviously dont qualify for medicaid etc because of my high paying job I had until June.

You may want to look into United Refuah Healthshare

You can confirm this but it might go by your monthly income so if you are currently out of a job, then you likely quality for benefits even though earlier in the year you didn't

When I was between jobs, I didn't get any health insurance. My thinking was, if I did ch"v run into a significant medical expense, I could sign up for COBRA, which works retroactively from whenever your job ended. There's only a certain amount of time that you have to sign up for COBRA though, so you definitely want to look at that date first. This also depends on your/your family's medical situation. But keep in mind, if you're just looking to get something cheap in case of emergency, you'd have to pay out of pocket for most regular medical visits anyway

Yeah, really just looking for something in case of emergency

I guess it depends how long you expect this in-between phase to be. Being that's it's already 3 months, COBRA is probably not an option anymore. Gov benefits, assuming you quality, is probably your best option.

The COBRA clock starts from when your benefits/health insurance ended, not when your job ended btw

Yeah, job ended in June so cobra not an option anymore. I had looked it up at first, but I was out of the country for two months and it was quite expensive so didn't make sense to sign up for it.

I looked into COBRA when I switched jobs and it was crazy expensive

I feel like i'd use United Refuah in this scenario.

Ok im going to look into that. Thanks.

its not insurance but if you are willing to take a bit of a risk for a short while, i think it might be worth it

Not sure how this all got sidetracked, @melodic-restaurant-25257 seems to have the obvious solution

I tried applying online for benefits, and it collected data according to year. Im going to call them Monday and see.

Might depend on the state, but usually there are multiple ways to submit info- annual tax data as well as paystubs. I’m sure when you speak to them on the phone and explain your employment situation you can work it out, but I think the easiest way is just to avoid submitting any annual income at all

united refuah has a semi-waiting period and they recommend to get short term insurance to cover that gap

https://frumfinance.slack.com/archives/C04H1QV5ACC/p1758904390086109?thread_ts=1758903309.634909&cid=C04H1QV5ACC agree with this, i'm pretty sure you can apply with your current monthly income

So seems like i qualify for tax credits only. They're looking not by month but by projected yearly income. Better than nothing I guess. More motivation to find a job quickly 😆

Why are you projecting future income before you get a job ?

Lol I don't know. I just filled out what I made this past year 🤷‍♀️

I’m suggesting that if you don’t project future income, you would qualify for Medicaid