Affordable Health Insurance for Low-Income Americans: Get the Coverage You Need

Low-income families, pregnant women, and women with breast or cervical cancer can access health insurance through federal programs such as Medicaid, the Children's Health Insurance Program (CHIP), and the Basic Health Program (BHP). These programs are available through the Affordable Care Act (ACA) and provide a range of coverage options to meet the needs of those who qualify. For those who don't qualify for these programs, there are still other options for free health insurance or low-cost health coverage. Georgia Families offers members a variety of health plans, allowing them to select a plan that meets their needs.

Subsidies reduce your maximum out-of-pocket expenses and increase the percentage of health care costs that your health plan pays. All health plans on the market offer the same set of essential health benefits, including doctor visits, preventive care, hospitalization, prescription drugs and more. Low-income health insurance covers adults, children, and families within certain income levels. A cost-sharing subsidy, also known as cost-sharing reduction, is another way to get low-cost health insurance. The creation of Medicaid, the subsequent expansions of Medicaid coverage for children and pregnant women in the 1980s and 1990s, and the most recent expansion of Medicaid coverage to low-income adults under the ACA have caused a significant drop in the proportion of Americans without health insurance coverage.

How to Get Affordable Health Insurance

The Health Insurance Marketplace was created by the Affordable Care Act and helps you find health coverage that fits your needs and budget.

You can buy a Qualified Health Plan (QHP) outside the health insurance marketplace, but you must apply for it through the marketplace in order to receive tax credits for premiums. By purchasing a QHP through the Health Insurance Marketplace, you can also qualify for a premium tax credit based on your income and family size. Medicare is a federal health insurance program for people age 65 and older, certain people with disabilities, and people with end-stage renal disease (ESRD). With a focus on health and well-being, CMOs provide members with health education, prevention programs and greater access to plans and providers, giving them the tools needed to live a healthier life.

Additional Resources

The health law expanded funding to community health centers, which offer affordable health care services based on income. These centers provide access to primary care services such as preventive care, immunizations, screenings, diagnosis and treatment of acute illnesses and chronic conditions.

If you're looking for affordable health insurance options for yourself or your family, there are many resources available to help you find the right plan. The Health Insurance Marketplace is a great place to start your search. You can also contact your local Medicaid office or community health center for more information.

Lucy Anderson
Lucy Anderson

Friendly bacon ninja. Passionate zombie scholar. Friendly twitter fan. Evil music buff. Infuriatingly humble social media evangelist.

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