Health Insurance for Low-Income People

A large percentage of society is struggling these days just to make ends meet and keep food in the house. Health insurance is one of the first things to go when tightening the budget. Fortunately, there are several health insurance options for low-income people.

Medicare

• Medicare provides health care coverage for people over 65, people with end stage renal failure, Lou Gehrig's disease, and disabled people who qualify for Social Security benefits.

Medicare Costs

• Medicare Part A covers hospitalization costs and is free to people who qualify. Part B covers health care costs and must be paid for by the insured. Prescription and comprehensive plans are available for a premium.

Medicaid

• Medicaid is available to low-income people. Qualification is based on many factors in addition to income level.

Medicaid Costs

• Premiums, co-pays, and deductibles must be paid by the insured for Medicaid coverage. Costs are based on the insured's income level. Physician fees, hospitalization, and more are covered.

Mini-Med Insurance

• A mini-medical insurance plan is available to low-income people. They are purchased from private insurers.

Mini-Med Insurance Costs

• Premiums can be as low as $50 a month. Mini-med plans provide first-dollar coverage and discounts similar to PPOs. Health care and hospitalization are covered. Some plans offer discounts on dental, vision and prescription costs.