It depends upon your State
Insurance Commission. How it works is that each company that is authorized
(called “admitted”) to your State must have “classes of insureds”. Meaning that
they cannot discriminate between classes. So, for instance, if the policy you
applied for has an underwriting policy and procedure that includes excluding
unemployed people – ALL – unemployed people, they can refuse to (decline to)
insure you.

Some companies have health insurance policies designed for single employees,
self-employed sole proprietors, licensed professionals, etc. which function as
“small employer trusts”. What happens is that all persons then become part of a
“trust” group and thereby are enabled to purchase individual health insurance
policies that contain similar coverage benefits as do larger companies.

As a general rule, I would assume that it would be difficult to impossible to
obtain health insurance coverage if you are unemployed unless you are a spouse,
child in college full time up to age 26 or a disabled dependent of an insured
who is employed.

You probably will get good results as to a place to start in any state by
contacting the Insurance Commission office in that state and determine which
Insurers are “admitted” to sell policies there. From there, locate an
independent broker who represents the company and ask them if they sell such a
policy.