How to find affordable health insurance

Healthcare costs can feel overwhelming, but the good news is that there are ways to get coverage without breaking the bank. Whether you qualify for free health insurance through government programs or need a low-cost plan with subsidies, there are plenty of options to explore. Here’s how to find affordable health insurance that fits your needs.

Key takeaways

• Several government programs, like Medicaid and CHIP, offer free or affordable health insurance based on income and eligibility.
• The Affordable Care Act (ACA) provides subsidies to help lower monthly health insurance costs.
• Free or reduced-cost healthcare services are available if you don’t have health insurance through clinics, hospitals, and prescription assistance programs.

What is affordable health insurance?

Free or affordable health insurance helps make healthcare affordable for families and individuals. It includes government-funded programs like Medicaid, employer-sponsored insurance with subsidies, and marketplace plans with income-based discounts. Some plans cover all costs, while others help reduce your premiums, deductibles, and out-of-pocket expenses. The best plan for you depends on your income, location, and personal healthcare needs.

Who qualifies for affordable health insurance?

Eligibility for free or affordable health insurance depends on several factors, including income, household size, and special circumstances. Here’s a quick breakdown:

• Low-income individuals & families: May qualify for Medicaid or the Children’s Health Insurance Program (CHIP), depending on state income guidelines.
• People who meet ACA subsidy income limits: Can receive tax credits to lower the cost of marketplace insurance plans.
• Seniors & people with certain disabilities: May be eligible for Part D Medicare Extra Help or Special Needs Plans (SNPs) for reduced healthcare costs, for those that are eligible.
• Young adults under 26: Can stay on a parent’s health insurance plan under the Affordable Care Act (ACA), making it a more cost-effective option.

Where to find free or affordable health insurance?

If you qualify, the next step is finding where to apply for coverage. In fact, there are many paths to access affordable health insurance, and below are some of the best options.

Affordable Care Act (ACA) Marketplace Plans

ACA marketplace plans provide coverage for individuals and families who don’t qualify for Medicaid but need affordable health insurance. Depending on your income, you may qualify for premium tax credits that significantly reduce your monthly insurance costs. The lower your income, the more assistance you may receive. Visit HealthCare.gov to check your eligibility and compare plans.

Medicaid

Medicaid offers free or affordable healthcare for eligible low-income individuals and families. Coverage varies by state, but it typically includes doctor visits, hospital care, and prescription drugs. You can apply through HealthCare.gov or directly through your state’s Medicaid office.

Children’s Health Insurance Program (CHIP)

CHIP provides affordable health coverage for children in families that earn too much for Medicaid but can’t afford private insurance. In some states, CHIP also covers pregnant individuals. Check your state’s CHIP program at InsureKidsNow.gov.

High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs)

If you don’t require many hospital visits or have major medical issues, an HDHP with an HSA can be an affordable option. HDHPs have lower monthly premiums but higher out-of-pocket costs. HSAs allow you to set aside pre-tax dollars to pay for medical expenses.

Medicare Extra Help & Special Needs Plans

Medicare beneficiaries who need help with prescription drug costs may qualify for Medicare Extra Help. Special Needs Plans (SNPs) offer tailored coverage for those with certain medical conditions or that have Medicare and Medicaid and meet appropriate enrollment qualifications.

Staying on a parent’s health plan (If under 26)

Under the ACA, young adults can stay on their parent’s health plan until age 26. This is often the cheapest option, especially if parents have employer-sponsored coverage. However, compare costs to make sure it’s the best choice for you. Thanks, mom and dad!

Affordable healthcare options without insurance

Traditional health insurance may not be for everybody — so even if you don’t have it, there are still ways to get affordable medical care.

Federally Qualified Health Centers (FQHCs)

FQHCs provide affordable medical care on a sliding scale based on income. Find a nearby center through the Health Resources & Services Administration (HRSA) tool at FindAHealthCenter.hrsa.gov.

Safety-net hospitals and free clinics

Did you know that many public hospitals and community clinics offer free or reduced-cost care for uninsured patients? Look for local resources through organizations like the National Association of Free & Charitable Clinics at nafcclinics.org.

Rural health clinics

If you live in a rural area, you may be able to find clinics that provide primary care services, often at a lower cost for Medicaid and Medicare recipients. To find one near you, visit hrsa.gov.

Prescription assistance programs

Some pharmaceutical companies and nonprofits offer free or discounted medications to those in need. There are even some programs that help connect people with medication savings.

Hospital financial assistance programs

Many hospitals offer charity care or financial aid programs to help cover medical bills. You can check with your local hospital to see if you qualify.

Beware of non-insurance options

Important: Healthcare sharing ministries aren’t traditional insurance and offer fewer consumer protections. Always read the fine print before signing up!

How to apply for free or affordable health insurance

There are so many ways you can apply for free or affordable health insurance — check out these different options:

Apply through HealthCare.gov or your state marketplace

• Best for: ACA plans, Medicaid, CHIP
• How to apply: Enter household & income details → compare plans → enroll

Apply directly through Medicaid or CHIP

• Best for: Low-income individuals & families
• How to apply: Check your state’s Medicaid office for eligibility and enrollment details

Get help from a Certified Enrollment Counselor

• Best for: Those needing guidance
• How to apply: Find a local ACA navigator at LocalHelp.HealthCare.gov

Call Social Security for Medicare Extra Help enrollment

• Best for: Medicare beneficiaries needing assistance with prescription drug costs.
• How to apply: Call 1-800-772-1213 (TTY 1-800-325-0778) between 8 a.m. and 7 p.m. Monday through Friday or visit SSA.gov

Take the next step toward affordable coverage

There are plenty of resources to help you get affordable health insurance that fits your budget. Whether you qualify for Medicaid, need an ACA plan with subsidies, or are simply looking for low-cost healthcare alternatives, exploring your options today can save you a ton on medical expenses. Visit HealthCare.gov to compare plans, check eligibility, and take the first step toward securing your health.

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