Health insurance can be expensive, especially for individuals and families managing limited income, changing employment, or ongoing medical needs. Fortunately, several programs may help eligible people obtain health coverage or reduce what they pay for insurance.
Depending on your age, income, household size, disability status, and state of residence, you may qualify for Medicaid, Children's Health Insurance Program (CHIP), Medicare assistance, or savings through the federal Health Insurance Marketplace.
OpenGrants Network helps people explore legitimate assistance opportunities and find programs that may fit their circumstances. The service is free, and eligibility depends on each program's requirements.
Who May Qualify for Health Insurance Assistance
You may be eligible for assistance if you are:
- An individual or family with limited income
- A parent seeking affordable health coverage for children
- A senior or someone eligible for Medicare
- A person with a disability or certain qualifying medical circumstances
- Someone who recently lost employer-sponsored insurance
- Self-employed or working without health benefits
- Pregnant and seeking qualifying health coverage
- Uninsured or struggling to afford monthly premiums
Requirements differ by program and state. You should check your eligibility even if you are unsure whether your income or circumstances qualify.
Check What You May Qualify For
OpenGrants Network can help you explore health insurance assistance programs based on your circumstances.
- ✓ Free eligibility check
- ✓ Free guidance if needed
Programs vary by location, income, household circumstances, and other eligibility requirements.
Types of Health Insurance Assistance Programs
- Medicaid. Medicaid provides free or low-cost health coverage to eligible people, including some adults with limited income, children, pregnant women, older adults, and people with disabilities. Eligibility rules vary by state.
- Children's Health Insurance Program (CHIP). CHIP helps eligible children receive health coverage when their families earn too much to qualify for Medicaid but may not be able to afford private insurance. Depending on the state and program, coverage may include doctor visits, hospital care, prescriptions, dental care, and vision services.
- Affordable Care Act Marketplace savings. The Health Insurance Marketplace allows eligible individuals and families to compare private health plans. Depending on your circumstances and applicable rules, you may qualify for premium tax credits or other savings that reduce insurance costs. Your savings depend on factors such as household income, family size, location, and available coverage options.
- Medicare Savings Programs. People enrolled in Medicare who have limited income and resources may qualify for a Medicare Savings Program. Depending on the program, assistance may cover Medicare Part A or Part B premiums and certain deductibles, coinsurance, or copayments. Applications are handled through state agencies.
- Health coverage after losing a job. If you lose employer-sponsored insurance, you may have options such as Marketplace coverage, Medicaid if eligible, or temporary continuation coverage through COBRA. Each option has different costs and deadlines. Compare the total premium, deductible, provider network, and coverage start date before choosing.
- State and local health assistance. Some states and local organizations offer additional health coverage programs, enrollment assistance, or community health services. Availability and eligibility differ by location. Your state health department, Medicaid agency, or a community health center may help you identify local options.
How to Find Health Insurance Assistance
- Review your circumstances. Consider your household income, family size, state, age, and current insurance status.
- Check public coverage options. Explore Medicaid, CHIP, or Medicare-related assistance if applicable.
- Compare Marketplace plans. Review available coverage and savings through HealthCare.gov.
- Gather your information. You may need proof of income, household details, residency information, and current insurance records.
- Submit an application. Follow the instructions from the official program and respond to requests for additional information.
- Review your approval carefully. Confirm the effective date, premiums, covered services, and any renewal requirements.
Medicaid and CHIP applications are generally accepted throughout the year. Marketplace enrollment is subject to annual open enrollment and qualifying special enrollment rules.