California Health Insurance for Unemployed: Get Temporary Gap Plans for Between Jobs

Health Insurance for Unemployed

By Thomas Cazneau

What’s a Good Health Insurance Plan for an Unemployed Guy in California?
If you’re at all like me, you’re probably going to want cheap temporary health insurance while you’re in between jobs. Finding California Health Insurance for unemployed people can feel tricky, especially for those accustomed to having amazing employer health benefits.

Kaiser Permanente California offers thirteen different Health Insurance Between Jobsprivate health plans, two of which are often selected by individuals who’ve lost coverage and need gap health insurance for a few months. Check out the plan recommendations below to see if the benefits described meet your medical needs. For more information, click California Individual Health Insurance Plans.

The $40/3000 Deductible Plan
Usually, people who’ve lost coverage and need health insurance between jobs are looking for affordability and value for the types of services they need most. $40/3000 HMO Deductible Plan or Individuals The $40/3000 HMO Deductible Plan is currently the lowest-priced California Kaiser Permanente Individual Plan that covers office visits and prescription drugs for low copays right away. Also, there is no charge for routine preventive visits. If other services are needed, you would pay the full cost up to the $3000 deductible. After the deductible is reached, discounted fees would apply. The most you would pay out-of-pocket on this plan is a maximum of $6,000. Although the annual maximum is high, it tends to be a workable temporary option for those who need affordable California gap health insurance. Due to the low premium and first-dollar benefits for frequently-needed services, this plan tends to be a popular option for health insurance for unemployed people.

Someone might Unemployed Health Insurance choose this plan if they…

    • Like predictable copays for office visits and prescriptions.
    • Need a private plan while waiting for new group health benefits to kick in, or are looking for health insurance between jobs.
    • Are relatively healthy but would still like coverage in case of an emergency.

The $50/5000 Deductible Plan
This one is cheap! $50/5000 HSA Deductible Plan It’s important for California health insurance for unemployed to be cost-effective. The $50/5000 Deductible Plan is the most affordable Kaiser Permanente Individual Plan in California. It is a catastrophic type plan that would cover preventive services at the get-go, but all other services would be full charge up to the deductible. If the deductible is reached, discounted fees would start. The most you would pay out of pocket on this plan during the year is $7,500. The low premium makes this an attractive option for people who’ve lost coverage and need temporary California health insurance between jobs.

Someone might choose this plan if they…

    • Rarely see a doctor, and would like free routine checkups and preventive services.
    • Need gap health insurance while waiting for group benefits to begin.
    • Mainly need coverage for bigger-ticket medical expenses.

These two recommended plans can help someone save on their monthly premium. But also make sure that the plan benefits fit your situation. For more information on these or other Kaiser Permanente private insurance choices, visit For additional options, we recommend looking into Short Term Health Insurance, which is often the most affordable option.


Comment from Krystle.
Time: September 11, 2012, 6:01 am

Very organized and point on. :)

Comment from Nicole Alsted
Time: September 11, 2012, 10:54 pm

It´s amazing as always.. Keep up the good work. :)

Comment from eric
Time: October 18, 2012, 4:25 am

Health insurance is a joke. Who are they helping? Why should the insurance companies not cover everythjng? I mean we pay a ton, our rates go up EVERY year and what is covered becomes less and less every year.

Comment from John Hansen
Time: November 1, 2012, 6:24 pm

Eric, You make a valid point. Year after year as of late health insurance costs have been going up about 10% per year. I talked to a customer the other day who had an old quote from 2 years ago. I was shocked to see how much the rates had gone up. Medical science has advanced as well and people with good healthcare are living longer. I realize that these advancements are costly, but I also feel like you, Eric, that we need to find a way to reverse this terrible trend of health insurance premiums going up 10% every year.

Comment from HOA
Time: March 6, 2013, 7:03 pm

How can I get the health Insurance by Obama? Do you know How can I apply for this program .

Comment from Jeffrey P. Tyson
Time: March 6, 2013, 10:45 pm

I am interested in one of these plans. Please e-mail the application.

Comment from WANDA COCHRAN
Time: March 7, 2013, 12:04 am

Your company has already declined me for coverage due to pre-existing conditions and then you have the nerve to send this email to me. If you wanted to help some one you could. I probably go the the doctor less than your so-called “healthy” person!!

Comment from avacado
Time: March 7, 2013, 1:46 am

I pay $628 dollars MONTHLY to Kaiser. I’m on a private plan and I just lost my job. Kaiser is a joke. If you don’t have the money…I had cancer last year…..they will not treat you even if all your rad oncs, chemo onces are there! Its disgusting! I can’t even change plans now, no one would take me and if I choose to go with a cheaper plan, then want the better one, I would have to pass a medical review, of which I would not pass, so I’d be doomed forever with huge bills. And I’ve been with them for over 20 years!!!!!

Comment from Linda L. Walsh
Time: November 30, 2013, 3:32 am

I had to drop my coverage today, because Kaiser doubled my monthly premiums for myself and my daughter. Why would you do this cruel, and unnecessary thing?

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