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Wisconsin Department of Health Services

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Consumer Guide to Health Care


If You Are Unemployed or Have Lost Your Group Health Insurance

Disclaimer: All external hyperlinks are provided for your information and for the benefit of the general public.  The Department of Health Services does not testify to, sponsor, or endorse the accuracy of the information provided on externally linked pages.


What Is COBRA?, from the American Cancer Society, provides information about this federal law that gives you the right to choose to keep the group health insurance benefits you would otherwise lose after you reduce your work hours, quit your job, or lose your job.

Fact Sheet on Continuation and Conversion Rights in Health Insurance Policies, from Wisconsin's Office of the Commissioner of Insurance, includes information about COBRA especially for Wisconsin residents.

HealthCare.gov provides information for Wisconsin about the Health Insurance Marketplace under the Affordable Care Act. The Health Insurance Marketplace is a new way to get coverage that meets your needs. Starting October 1, 2013, you can come to HealthCare.gov to fill out an application and see your plan choices. Open enrollment continues until March 31, 2014. More information from HealthCare.gov.

Wisconsin Health Care Options in 2014: Information from the Wisconsin Department of Health Services.

Your Employer’s Bankruptcy: How Will It Affect Your Employee Benefits?: A fact sheet from the U.S. Department of Labor.

Health Coverage Tax Credit:  Information from the U.S. Department of Revenue on a tax credit available to a limited number of individuals who have lost their jobs or whose hours of work and wages have been reduced as a result of increased imports.  Note: On October 21, 2011, the Trade Adjustment Assistance Extension Act of 2011 was signed into law, increasing the amount of the Health Care Coverage Tax Credit and expanding the population eligible to receive it. Read about its provisions, which are effective until January 1, 2014.

If you've been turned down for health insurance coverage, you may be eligible for HIRSP, the Wisconsin Health Insurance Risk-Sharing Plan.

If you are facing long-term unemployment, you may be eligible for a government insurance program.

Last Revised: October 29, 2013