What to Do If You Cannot Afford Healthcare

Healthcare Options When Money is Tight

Everyone deserves access to healthcare, regardless of their financial situation. If you're struggling to afford medical care, there are resources and options available to help.

Check If You Qualify for Government Programs

Medicaid

Medicaid provides free or low-cost health coverage for eligible low-income individuals and families. Eligibility varies by state but generally covers:

• Low-income adults and children
• Pregnant women
• People with disabilities
• Seniors

Apply through your state's Medicaid office or at Healthcare.gov.

Medicare

If you're 65 or older, or have certain disabilities, you may qualify for Medicare. Low-income Medicare beneficiaries may also qualify for programs that help pay premiums and out-of-pocket costs.

CHIP (Children's Health Insurance Program)

CHIP provides low-cost health coverage for children in families that earn too much for Medicaid but can't afford private insurance.

Explore Affordable Care Options

Community Health Centers

Federally Qualified Health Centers (FQHCs) provide care on a sliding fee scale based on your ability to pay. Services include:

• Primary care and preventive services
• Dental care
• Mental health services
• Prescription assistance

Find a health center near you at findahealthcenter.hrsa.gov.

Free Clinics

Many communities have free clinics staffed by volunteer healthcare providers. These clinics offer basic medical care at no cost.

Hospital Financial Assistance

Non-profit hospitals are required to offer financial assistance programs. If you have medical bills you can't pay:

1. Ask the hospital's billing department about charity care programs
2. Request an itemized bill and review for errors
3. Negotiate payment plans or reduced rates
4. Apply for their financial assistance program

Reduce Medication Costs

• Ask for generics: Generic medications can cost 80-85% less than brand names
• Patient assistance programs: Many pharmaceutical companies offer free or discounted medications
• Prescription discount cards: Programs like GoodRx can significantly reduce costs
• Mail-order pharmacies: Often offer lower prices for maintenance medications
• $4 generic programs: Many pharmacies offer common generics for $4-$10

Additional Resources

• NeedyMeds.org: Database of patient assistance programs
• Benefits.gov: Find government benefits you may qualify for
• 211: Dial 211 to connect with local health and social services
• State health departments: Often offer free screenings and immunizations

Don't delay necessary care due to cost concerns. Many options exist to help you get the care you need.