The average costs of health insurance in the United States are escalating at a far higher rate than the average family income. As more individuals find it impossible to pay monthly premiums, it’s important to know where affordable health insurance for low income families is available.
Generally, the best possible health insurance situation for lower income families is to be insured through the employer’s policy of one of the heads of the household. If only one adult is insured by an employer, it should be a priority to investigate every option for covering a spouse, significant other or child under the same plan. If no adult is covered by an employer’s plan, there are a number of other options.
There may be an affordable solution through a traditional insurance company. If a family has current insurance for a home or automobile, that company may be able to provide a health insurance policy for the family with a multi-policy discount. If the discount is insufficient, it is often worthwhile to ask an insurance agent with the company if there are any additional discounts for special needs or low income families. Many customers are surprised at how flexible their companies can be.
If that doesn’t lead to a suitable solution, government assisted health plans like Medicaid or other state funded plans provide free or more affordable health insurance for low income families who qualify. Qualification may be based on more terms than income levels, such as disabilities and extensive health care needs. Additionally, Medicaid benefits vary from state to state. Families seeking this type of assistance should contact their local Medicaid office for more details on the coverage available to them.
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