Free Health Insurance

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Is there really such a thing as free health insurance? The answer is yes. But in most cases adults will not qualify for free health insurance unless they are fully disabled or are on a public assistance program. For pregnant women and children, free and low cost health insurance options do exist, thanks in part to the Federal Government.

The Federal Government funds a program called The Children's Health Insurance Program (CHIP). Each state is permitted the ability to design its own CHIP program and is allowed to set eligibility requirements through their Medicaid program. However, the main focus of Federal funding is to insure pregnant women and uninsured children. Since each state has its own eligibility requirements, and level of benefits payable, it is suggested that you visit the InsureKidsNow.gov website to learn more about affordable and free health insurance options that exist. Additional information exists at the US Department of Health and Human Services website.

In many cases, families that utilize the Children's Health Insurance Program will find that the savings are significant enough to allow them (parents) the ability to purchase private health insurance coverage. However, please keep in mind that eligibility requirements for CHIP does in fact limit the amount of income a household can earn for free or discounted health insurance.

Pregnant women and the parents of children up to age five may also want to consider the Women, Infants, and Children Program. This program is funded by the USDA's Food and Nutrition Service. While geared towards adequate nutrition, free medical care is often a component of this program.

In the event you have no income, including unemployment compensation, you may qualify to receive free health insurance which is subsidized through your State's public assistance program.


 

High Deductible Plan

In many cases a high deductible health insurance plan is the only form of temporary health insurance many individuals and families can afford. Such plans can often save you from the catastrophic financial costs of a major medical event.
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