Whether you are an independent contractor without a group plan or a family on a budget without occupation-based coverage, the importance of having adequate health insurance is the same. Coverage is especially important for those on a budget, as the costs of care when something does happen are so high. The government and nonprofit organizations have taken some measures to help alleviate the cost burden, and major insurance companies nationwide are also doing their part to offer low-cost coverage options.
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The government is continuously increasing its offerings to low and moderate-income households. Medicaid provides access to quality care for individuals and families living at or near the federal poverty limit (FPL). The State Children's Health Insurance Program (S-CHIP) also reaches this population, but is specifically geared to include children whose parents' income are above the FPL, but below 200% of this level.
State Purchasing Pools are another recent government intervention to help create options for affordable health care. These plans reduce prescription drug prices by combining several states' Medicare budgets, giving pharmaceutical companies a bigger incentive to offer discounts for essential medications. Finally, association health plans have allowed six million Americans to access less expensive group health insurance through their hobbies or association with particular organizations. This includes educators, musicians, amateur astronomers and more.
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