The good news is that many leaders in the public health sector are working toward changing this trend.
Medicaid has long been the primary offering to low-income families, and it has served that population well, providing consistent medical care, hospitalization, child immunizations and help in keeping prescriptions filled. In 1997, the country began offering the State Children's Health Insurance (SCHIP) program to expand coverage of health care, allotting $5 billion per year in state grants for families whose income is slightly higher than the poverty threshold, thus making them ineligible for Medicaid. Since 1997, 5 million of the nation's uninsured children have found health coverage through SCHIP.
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Legislation has brought in many new options for those who are looking for insurance on a limited income, including the offering of a tax credit to those who purchase health insurance. The health savings account has also seen come into its own. This offering allows consumers to place money in a tax-free savings account, to be used to pay for medical costs. This allows members of the middle class, who make too much to be eligible for state or federal aid otherwise, a chance to purchase the health insurance coverage they need.
As employers and government agencies further realize the importance of offering quality health insurance, consumers will find it easier to make the decisions they need to stay healthy. To learn more about how your specific health coverage needs can be affordably met, you can review the following:
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