Despite the new healthcare bill, there are currently more Americans left without health insurance now than there were 5 years ago. Finding low cost or free health insurance for low income people can be very difficult, but it's still a task that many people have to achieve if they want to stay healthy. Luckily, there are lots of programs throughout the United States that offer low cost or free health insurance for low income people, their families, as well as self employed people who are just beginning to establish themselves.

Low income people can get free healthcare are local clinics offered by hospitals. Clinics are available in all states, and can cover a variety of different illnesses. Some are general clinics, while others are more specialized. However, free clinics aren't a replacement for health insurance.

One very common form of low cost or free health insurance for low income people comes in the form of Medicaid. Medicaid is another state-sponsored program that is offered to low income individuals, as well as disable individuals, by the US government. Medicaid is available for all adults, children, and families who are low-income. Eligibility is usually strictly based on household earnings, and often will enforce a deductible minimum. Prescription drug plans are covered on Medicaid, as are typical doctors' office visits. Medicaid's coverage will vary from state to state, because it's run by the individual's state government.

The most common way to get health insurance if you are a low income individual who is either a senior citizen or disabled is through Medicare. Medicare is a national welfare program that gives low cost or free health insurance to low income individuals, and is accepted at a very large number of offices and hospitals. Each state has different maximum earnings levels for Medicare recipients, and there are different guidelines for each state. In order to find out whether you qualify for Medicare, you will need to go to government's Medicare website. You can also apply for Medicare online through the site. Medicare, unlike Medicaid, covers prescription drugs through private drug plans.

These are the two most well-known programs, but low income families have other options that they should explore. Most states will have their own programs that offer low cost or free health insurance for low income people, and a lot of them will put special emphasis on families. For instance, Family Health Plus, is a New York state-sponsored program. Family Health Plus is a good option for people who are above the maximum income line for Medicaid, but are still in financial trouble. It's a low-cost option that will give you basic coverage without too much of a hassle. Washington state has a similar program called Basic Health Plan. Children in New Hampshire are covered by NH Healthy Kids. All you have to do in order to find out if you qualify for these programs is to ask, or apply online through your state's website.

Each state is different when it comes to healthcare and health insurance programs, but the fact is that no state will ever refuse to have health insurance programs for low income families, senior citizens, and people who live with disabilities. You have options, but you will have to find out what all of your options are before you can decide which plan is right for you. Most programs that are available will require you to state your monthly income, as well as other details of your current situation. Before you apply for your local or federal programs, you should gather up information on your income, your health, and others in your family that may need insurance. It can be a lot of tedious work, but it's very possible to get low cost or free health insurance for low income people.