Not everyone can afford health insurance or has the option of purchasing it through employment. There are other alternatives to help ensure that you won’t go broke if an emergency occurs where you’ll need health care or hospitalization.
Many states offer their own insurance options for those that live in the state. There are even plans for short term insurance plans if you have recently become unemployed or have a lapse in your preexisting insurance plan. The plans can vary greatly and some can be costly but it is a good idea to check them out to see if they are a good fit for your own personal situation. COBRA is a plan that is famous for gap insurance for people between jobs or recently unemployed.
If you and your family have a very low income you may qualify for medicare or medicaid. Both programs help out in medical and health care costs and are provided at no cost to the recipient. You will have to apply for both programs to see if you and your family qualify but if you do, they can defray costs considerably. Medicare is not based on income and is usually for those that are at least 65 years of age. Medicaid is available to everyone regardless of age but is based on income statistics for your family. Both have co-payments that have to be paid but are very helpful in paying for medical and health care costs.
Regardless of how you get insurance, it’s best to have it in case the need arises. With a little research and determination you can find a program that you can afford and is right for your individual circumstances. Don’t be afraid to reapply if you are turned down for a program. Some programs automatically turn down first time applications.
