f you make under $20,000 as a family or under $10,000 as an individual then you qualify for federal Medicaid help. If you make over these amounts but still under $40,000 a year there are still programs in many states that can assist you with subsidized health insurance. To find out about these programs you simply need to contact your health and family services office and they will help you determine what health insurance support you qualify for.
If you make more than $40,000 a year but traditional health insurance plans are still too expensive to afford for your family then there still is options for health insurance. The best option in this case is a HSA savings account. And HSA savings account, or health savings account, is an insurance plan that has a high deductible but a very low premium. These accounts are very affordable for families and can often cost under $100 per month for an individual. The drawback to these plans is the high deductible. Most of them have $5000 to $10,000 deductibles which means the first $5000-$10,000 in medical bills are your responsibility to cover.
We have become very accustomed to being able to go to the doctor whenever we feel a tickle in our throat or notice a slight dark spot on our skin but these convenient little visits can end up costing $300 a visit when, more than likely, there isn’t anything even wrong with you.
So if you can’t afford insurance you shouldn’t worry so much because there are options to assist you. Use the resources that are available to you and find the best option for your particular circumstance. If you are methodical about your search and keep a level head then you won’t have any problems finding a quality healthcare option for you and your family.
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