How to Get Low Cost Health Insurance

If you’re looking to get low cost health insurance or wondering how to find affordable health insurance, you’re not alone.

While most employees have the option of receiving insurance from their employer, this coverage often comes with high premiums and deductibles, especially if your company is not self-insured and has to pay for it themselves through an outside insurance company.

If you don’t like your health insurance options, whether it’s because of the high price or lack of coverage, here are some tips on how to get low cost health insurance

10 Ways to Save on Healthcare

Finding a way to manage healthcare costs while still keeping your family safe and healthy may seem like an impossible task.

However, it’s not difficult once you know how.

Here are ten easy ways to save on healthcare expenses

5 Ways to Reduce Your Out-of-Pocket Costs

So you have a health plan and think you’re covered—but wait. Even with insurance, you might still need to pay a portion of your medical bills.

This is known as out-of-pocket expenses, or OOPs. In 2017, out-of-pocket costs can reach $7,150 for an individual and $14,300 for a family.

1 Reducing these expenses is just as important as getting low cost health insurance in terms of lowering your monthly premiums and total annual spending on healthcare.

Here are 5 ways to reduce your out-of-pocket expenses

3 Tactics for Saving on Prescriptions

Prescription medications are expensive. Prices can vary widely from place to place, which is why it pays to do your research.

Three tactics for saving on prescriptions include: 1) Seek free samples from your doctor; 2) Use cash-back pharmacy coupons and comparison shopping; 3) Sign up for a medication discount program.

Using these tips, you could save anywhere from $50-150 per month on prescription drugs.

That’s a lot of dough! These simple techniques will help you cut back and save money on your health care expenses without compromising your treatment or risking adverse side effects.

2 Ways to Lower Dental Costs

Dental costs can vary wildly.

Depending on what dental work you’re having done, you could pay anywhere from a few hundred dollars for a clean and exam or upwards of $1,000 for treatment that includes fillings and crowns.

A lot of factors go into how much your dentist charges: location, geographic region, whether they accept insurance and how much they charge in case you don’t have it.

But there are also ways to reduce dental fees even if you already have insurance.

Here are two tips that can help lower your out-of-pocket costs: Be selective about what dental procedures you get done; generally speaking, elective procedures cost more than necessary ones.

Use Free Healthcare

If you don’t have health insurance but need it, getting it may seem out of reach.

After all, many Americans are required by law to buy a plan; there are penalties for those who opt out.

But even with Affordable Care Act requirements in place, there is still a way to get low cost healthcare without insurance or penalty.

All you have to do is find your state’s Medicaid office and inquire about enrolling in public healthcare.

Take Advantage of Discount Plans and Online Resources

If you’re having trouble finding affordable health insurance, don’t discount your existing sources.

Many of us already have health insurance through our employers, and even if it doesn’t cover everything you want, an employer-sponsored plan is still typically a better deal than most individual plans.

If you’re employed and uninsured or underinsured, there are government assistance programs like SHOP (for small businesses) that can help.

Additionally, depending on your income level or citizenship status, there are both state and federal assistance programs that provide grants to help with monthly payments.

Additionally, depending on your income level or citizenship status, there are both state and federal assistance programs that provide grants to help with monthly payments.

low-cost health insurance for adults

Don’t want to wait for open enrollment? Shop around for health insurance.

Even if you are not shopping for a new plan, there is an existing one out there that will most likely offer low-cost coverage.

Compare coverage from different carriers and do your homework before signing up with a new insurer, however.

You’ll need to determine whether it’s worth paying more now, or switching over at a later date (or both).

You’ll also need to figure out what your deductible and co-payments are likely to be.

The goal is simply lower premiums, but you might have some work upfront in order get there!

How to get health insurance

How do I get health insurance? If you have a pre-existing condition, or if you’re over 65 and retired from your employer, you may need to shop for your own insurance.

Whether you buy coverage directly from an insurance company, through a state exchange created by Obamacare, or through one of the new private exchanges that have sprung up to compete with state exchanges, buying health insurance isn’t as complicated as it sounds.

Below we’ve outlined four steps that can help you find affordable health coverage that meets your needs and fits within your budget.

For more detail on each step, see our guide: How To Get Affordable Health Insurance Without Obamacare (Or With It).

Free health insurance

While many types of insurance exist, free health insurance is not one of them.

However, it can be difficult to know what you are looking for when comparing plans or choosing a health insurer.

The first step towards getting low cost health insurance is figuring out how much coverage you need.

Free quotes from top insurers can help. As with anything else in life, there’s always a trade-off between price and quality.

But by doing your homework and making smart decisions, you can avoid exorbitant premiums—while still enjoying great service and expert advice along with your low cost health insurance plan!

What is the maximum income to qualify for free health care

According to, in 2017, the income limit is $48,240 for a family of four with two adults and two children.

If you earn below that amount (and are uninsured), you may qualify for government-sponsored health care.

Keep in mind that even if you make over that number, it doesn’t mean you won’t qualify; you could still get help if your household income is less than 400 percent of federal poverty level guidelines (at least $98,400).

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