How to Find Affordable Health Insurance for Individuals
Finding affordable health insurance is a struggle for many people, but it is more difficult for an individual. The cost of health insurance has driven tremendously, and many people are having difficulty finding affordable health insurance. However, there are some options available that you can consider.
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- Look for agencies that offer free and reduce cost health care. One such agency is the Hill-Burton program, which requires proof of income documentation as well as completion of an eligibility form. Unfortunately, this program is not available in some states such as Alaska, Indiana, Minnesota, Nebraska, Nevada, North Dakota, Rhode Island and a host of others. You can find information about this program at the U.S. Department of Health and Human Services website.
- Look for community health center in your area. The U.S. Department of Health and Human Services Community Health Center locator will help you find facilities in your geographic area. These programs receive federal funding and serve low-income people who cannot afford regular health care coverage. The program requires income documentation such as a copy of a paycheck stub, and you also have to fill out some paperwork as well. This agency not only treats patients for illnesses, but it also covers childhood immunizations, well woman care, dental care as well as pregnancy.
- Consider looking for medical care for the elderly if you are over 60 years old and not eligible for Medicare. Visit the U.S. Administration on Aging website and look for the Elder Care Locator. The program not only helps with affordable health care, but it also provides transportation, meals as well as home care.
- Check to see if you qualify for Medicaid. Medicaid is program run by the state with federal funding. Medicaid eligibility is income based, and it is free provided you meet the eligibility income requirements.