Going without insurance is a risk most households cannot afford to take. One medical emergency, one car accident, or one house fire can produce a bill that takes years to pay off. If cost is the reason you are uninsured right now, government programs exist that can cover you for little or nothing per month. The options below show you exactly what is available and how to get it.
Introduction to Medicare
If you are 65 or older or have a qualifying disability, Medicare covers your hospital stays, doctor visits, and prescriptions. Enrollment is time-sensitive and missing your window can raise your premiums permanently. Find out when and how to sign up.
Affordable Care Act
If you do not have insurance through a job, the ACA marketplace may cover you for as little as a few dollars a month. Premium tax credits are available now for most low and moderate income households. See what your household qualifies for.
Auto insurance
Driving without insurance puts your license, your vehicle, and your finances at risk. If standard market rates are out of reach, several states run low-income auto insurance programs that provide legal coverage at a price that fits a tight budget.
Bundled insurance
Combining your auto and renters or homeowners coverage with one provider almost always lowers your total monthly cost. If you are paying two separate premiums right now, bundling them could put money back in your pocket starting next month.
ACA plans for your needs
Not all ACA plans work the same way. If your income is low, a Silver plan likely gives you the best deal because it comes with cost-sharing reductions that cut your copays and deductibles significantly beyond what other tiers offer.
Car insurance coverage
Most drivers carry either too much or too little coverage without realizing it. Understanding what liability, collision, and comprehensive each actually protect against helps you stop overpaying for what you do not need and keep what you do.
The importance of life insurance
If someone depends on your income, a life insurance policy protects them if something happens to you. Term coverage is affordable for most budgets and pays out a lump sum your family can use immediately to cover bills, housing, and daily expenses.