Fortunately, Americans live in a time that encourages the proliferation of new ways to provide quality health care to individuals. The following is a list of programs currently offered through the government as well as other options for budget-conscious individuals in need of health insurance.
- Medicaid: This program is intended to provide low-income individuals and the disabled with the medical care that they need. It is geared for those who would otherwise have no way to afford regular physician visits, and is often utilized by pregnant women as well as those who have suddenly become unemployed or have otherwise met with hard times.
- S-CHIP: This plan is specifically for children whose parents make below 200% of the national poverty limit. It expands the number of individuals who benefit from government aid, while not infringing on the already-established Medicaid program.
- HSA: For all income levels, particularly the under-represented middle class, the Health Savings Account’s purpose is to give the uninsured a place to save money for medical expenses while benefiting from the freedom and flexibility afforded this kind of coverage. Those who have an HSA can draw upon the account when medical needs arise. The advantage of a HSA is that it allows consumers to take direct responsibility for providing their own care, and can be rolled over from year to year.
- Private insurance coverage through Associations: Whether it is the chess club down the street, an environmental group or the Harley Davidson Association, health insurance is offered to groups cheaper than to individuals. Therefore, it makes sense that some groups are beginning to offer cheap health insurance to its members.
- Discount plans: Some companies, in particular those who run online, offer discounts on medical coverage to those willing to pay a small monthly fee. Services can often be discounted up to forty percent of the typical charge.
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