Health expenses in America are so high these days that without insurance even a small illness can become a burden of debt. Luckily, some people have completely free or very cheap health insurance. If you have low income, are unemployed, are a seeker of knowledge or are a new immigrant, then these are your options:
1. Medicaid – For low income people
Government program that is completely free
Who qualifies?
- Low income families
- 65+ elderly
- Handicapped people
- Pregnant women
- Children
How to apply?
Go to your state’s Medicaid website and fill out the form.
For example: If a person’s annual income is less than $20,000, you may be eligible.
2. CHIP – Free/Cheap Insurance for Children
Special program for children
Covering:
- Doctor’s visits
- Teqon (vaccinations)
- Emergency treatment
- Eye and teeth checkups
Eligibility:
Your parents’ income is a little too much for Medicaid, but they cannot get private insurance.
Check your state’s CHIP website for details.
3. Obamacare (ACA) – $0 Premium Plans
Absolutely free with government help
If your income:
- One branch: Less than $15,000 per year
- A family of two people: Less than $30,000 per year
…then you can get a plan with $0 monthly premium.
Apply on Healthcare.gov
4. Free Clinics – Treatment without Insurance
Available in every city
They provide these for free or at a very low cost:
- General checkups
- Women’s health
- Mental health
- Techniques
Find your nearest clinic
5. Options for Immigrants
- Green Card/Refugees: Medicaid in states like California, NY, Illinois
- Not Documented: Emergency Medicaid (only in dire need) and free clinics
For Legal Aid: National Immigration Law Center
Common Questions (FAQs)
Q: Can I get absolutely free insurance?
Yes! From Medicaid, CHIP and ACA subsidy.
Q: Options for Students?
Yes: College insurance ($50-$100/month) or Medicaid if low income.
Q: Can I get treatment without documents?
Yes, in emergency and free clinics (but not complete insurance).
Conclusion:
If you are low-income, unemployed or take care of children, then free insurance is your right. Don’t fear – apply today!
Note: You can take help from eligibility checker and state-wise guides on Easystackloans.com.